Ulster Bank has cut the rates to which its fixed mortgage customers move if they choose not to re-fix again at the end of the term.
Until now, customers who decided not to continue with a fixed rate rolled to a standard variable rate of 4.3%.
However, the changes mean that from now on, customers will move to one of a range of lower variable rates, depending on what their loan to value (LTV) ratio is.
These range from 3.5% for a 60% LTV, to 3.7% for an 80% LTV and 3.9% for a 90% LTV.
Buy to let customers will roll to a rate of 4.3% if they have an LTV of 70%.
The bank has also introduced a new online portal where potential borrowers can register online, calculate how much they can borrow and book an appointment with the mortgage team.
Ulster Bank has announced a number of changes to its mortgage services in recent weeks in an attempt to drive lending volumes up.
These included reducing its five-year fixed.