Coming to the end of 2 ywar fixed rate

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kitty81

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Hi all. We switched from PTSB to UB almost two years ago, at 2.3% and I'm not sure of the options once that expires? Do we automatically stay on the same rate unless we choose to switch again or do UB have a prevailing rate that we will end up on?

From looking at our online mortgage account, they have 48% as our LTV and we have just under 14 years left on our term

Any advice appreciated :)
 
You'll be moved to Ulster's variable rate by default unless you opt to fix again. I'd imagine they'll send you a form to choose a new fixed rate a month or two before the current fixed period ends, but probably best to give them a call to confirm what their process is.
 
Lucky you with online access. Still no such service with KBC even though they let on to be up with tech, etc.
KBC are years behind the curve here.
 
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