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I am very confused about what’s happening with my Ulster Bank mortgage – what are my best options for switching?

Our property finance expert answers your questions

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Martina Hennessy

Martina Hennessy

Martina Hennessy

I’m very confused about my mortgage. I am an Ulster Bank customer and on one hand I have been told to do nothing in terms of switching, although I have to move my current account and my overdraft too, but my mortgage rate is 3.1% which was on a fixed rate I think, but I’m not sure if it still is.

I have around €135,000 left with 9 years to go. If I were to move it myself is it worth it, or will the bank it moves to offer me a better deal? I am particularly anxious as I see interest rates are going up. My brother-in-law says he is switching to AIB as they have better ‘green’ rates - what should I do?


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