I’m very confused about what’s going on with my Ulster Bank mortgage – what are my best options for switching loans?


I am very confused about my mortgage. I am a customer of Ulster Bank and on the one hand I was told not to do anything in terms of change although I have to move my checking account and overdraft too but my mortgage rate is 3.1 % which was on a fixed rate I think, but I don’t know if that’s still the case.

I have about €135,000 left with 9 years to go. If I had to move him myself, is it worth it, or will the bank he is moving give me a better deal? I am particularly anxious as I see interest rates rising. My brother-in-law says he is switching to AIB as they have better “green” rates – what should I do?


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