First time buyers only and resident in Northern Ireland. Mortgaged property must be in Northern Ireland. Minimum mortgage amount is £50,000. Available with participating developments only. Lending criteria, terms and conditions apply.

Security may be required. Home Insurance is required.

Over 18s only. The maximum term is 35 years. No maximum age. Where a mortgage extends beyond normal retirement age, you should be able to demonstrate continued ability to service the loan by way of pension or alternative means.

This offer is for residential mortgages only. The maximum sum advanced is the lower of the purchase price or the value of the property. 95% loan to value applies to Momentum mortgage only. No arrangement fee applies. At the end of the five year term your property will be valued. If the value of your property has increased by 5% or more you are required to pay back the original deposit to the developer through personal savings, a personal loan or by topping up your Ulster Bank mortgage. Personal loans and mortgage top-ups are subject to eligibility. Any increase in borrowing by way of a mortgage top-up will increase your mortgage amount and loan to value.

If you sell your property within 5 years of mortgage drawdown, you will be required to repay the full deposit to the developer.

Early repayment charge of 3% of amount repaid is charged if the mortgage is repaid in part or full before end of fixed or discounted period.

Please refer to your letter of offer for full details.