Fixed rate mortgages - Rates
Looking for a guarantee that your mortgage repayments won't go up?
Rates correct as at 6th January 2012 and are subject to change.
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| ufirstgold Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
3.90% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
2.85%
fixed until 31/03/2014 LTV: 60%
Available exclusively to ufirstgold / ufirst Private current account holders |
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £466.45. Monthly payments at current standard variable mortgage rate - £523.42. Total amount repayable - £156,253.72.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 60% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
Only available for ufirstgold and ufirst Private current account customers.
ufirstgold has a monthly membership fee of £13. ufirst Private has a monthly membership fee of £25.
(Ref: fix4950) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
3.90% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
2.95%
fixed until 31/03/2014 LTV: 60%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £471.61. Monthly payments at current standard variable mortgage rate - £523.83. Total amount repayable - £156,490.72.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 60% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix7107) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
3.90% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
2.95%
fixed until 31/03/2014 LTV: 60%
|
|
LTVs available are in steps of 5% up to 60%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership scheme.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £471.61. Monthly payments at current standard variable mortgage rate - £523.83. Total amount repayable - £156,490.72.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 60% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix7109) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
4.00% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
3.35%
fixed until 31/03/2014 LTV: 75%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £492.61. Monthly payments at current standard variable mortgage rate - £525.40. Total amount repayable - £157,428.04.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix4949) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
4.00% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
3.35%
fixed until 31/03/2014 LTV: 75%
|
|
LTVs available are in steps of 5% up to 75%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership Scheme.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £492.61. Monthly payments at current standard variable mortgage rate - £525.40. Total amount repayable - £157,428.04.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix4954) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| ufirstgold Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
4.20% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
4.25%
fixed until 31/03/2017 LTV: 60%
Available exclusively to ufirstgold / ufirst Private current account holders |
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £541.74. Monthly payments at current standard variable mortgage rate - £530.14. Total amount repayable - £160,333.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 60% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
Only available for ufirstgold and ufirst Private current account customers.
ufirstgold has a monthly membership fee of £13. ufirst Private has a monthly membership fee of £25.
(Ref: fix6004) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
4.30% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
4.35%
fixed until 31/03/2017 LTV: 60%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this Fixed rate mortgage.
Available to First Time Buyers, Home Movers and Remortgage customers.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 60% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £547.35. Monthly payments at current standard variable mortgage rate - £531.05. Total amount repayable - £160,888.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 60% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6484) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
4.30% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
4.35%
fixed until 31/03/2017 LTV: 60%
|
|
LTVs available are in steps of 5% up to 60%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership scheme.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 60% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £547.35. Monthly payments at current standard variable mortgage rate - £531.05. Total amount repayable - £160,888.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 60% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6485) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
4.60% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
5.09%
fixed until 31/03/2017 LTV: 75%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 75% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £589.85. Monthly payments at current standard variable mortgage rate - £537.54. Total amount repayable - £164,995.60.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix4951) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
4.60% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
5.09%
fixed until 31/03/2017 LTV: 75%
|
|
LTVs available are in steps of 5% up to 75%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership Scheme.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 75% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £589.85. Monthly payments at current standard variable mortgage rate - £537.54. Total amount repayable - £164,995.60.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix4955) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
4.50% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
5.89%
fixed until 31/03/2014 LTV: 90%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 90% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £637.59. Monthly payments at current standard variable mortgage rate - £534.07. Total amount repayable - £163,300.48.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 90% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix4948) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
4.50% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
5.89%
fixed until 31/03/2014 LTV: 85%
|
|
LTVs available are in steps of 5% up to 85%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership scheme.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 85% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £637.59. Monthly payments at current standard variable mortgage rate - £534.07. Total amount repayable - £163,300.48.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 85% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6204) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| First Buy Fixed rate until 31/03/2014 (80% LTV only) |
4.00% variable for the rest of the term |
4.50% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
5.89%
fixed until 31/03/2014 LTV: 80%
|
|
Only 80% LTV available. An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the First Buy Co-Ownership scheme.
Example: for a capital and interest 2 Year Fixed mortgage, where LTV is 80%, for £100,000 over 25 years. Monthly payments during the fixed rate period - £637.59. Monthly payments at current standard variable mortgage rate - £534.07. Total amount repayable - £163,300.48.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 80% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix8904) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Momentum Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
5.00% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
5.99%
fixed until 31/03/2017 LTV: 95%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £295 is payable on this Fixed rate mortgage.
Only available for new customers purchasing a property through the Momentum scheme.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 95% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £643.69. Monthly payments at current standard variable mortgage rate - £544.89. Total amount repayable - £169,690.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 95% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
5% deposit provided by the developer. You'll only pay your deposit back if the property value grows by 5% or more after five years.
(Ref: fix4930) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Investment Fixed rate until 31/03/2014 |
4.00% variable for the rest of the term |
4.60% APR variable |
3% of amount repaid if you repay prior to 31/03/2014 |
Initial rate
6.19%
fixed until 31/03/2014 LTV: 70%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2014. The cost of a valuation of a property is approximately £190 which is payable by you. An arrangement fee of £999 is payable on this Investment Fixed rate mortgage.
Example: for a capital and interest Investment 2 Year Fixed mortgage, where LTV is 70% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £655.97. Monthly payments at current standard variable mortgage rate - £534.94. Total amount repayable - £164,385.72.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 70% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6084) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
5.20% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
6.35%
fixed until 31/03/2017 LTV: 85%
|
|
LTVs available are in steps of 5% up to 85%.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the Co-Ownership scheme.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 85% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £665.86. Monthly payments at current standard variable mortgage rate - £547.66. Total amount repayable - £171,985.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 85% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6044) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Fixed rate until 31/03/2017 |
4.00% variable for the rest of the term |
5.20% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
6.35%
fixed until 31/03/2017 LTV: 90%
|
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited on all properties valued up to £1 million. Valuation fee negotiable for properties valued in excess of £1 million. An arrangement fee of £595 is payable on this mortgage.
Available to First Time Buyers, Home Movers and Re-mortgage customers.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 90% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £665.86. Monthly payments at current standard variable mortgage rate - £547.66. Total amount repayable - £171,985.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is up to 90% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix6184) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| First Buy Fixed rate until 31/03/2017 (80% LTV only) |
4.00% variable for the rest of the term |
5.20% APR variable |
3% of amount repaid if you repay prior to 31/03/2017 |
Initial rate
6.35%
fixed until 31/03/2017 LTV: 80%
|
|
Only 80% LTV available.
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £595 is payable on this mortgage.
Only available for new customers purchasing a property through the First Buy Co-Ownership scheme.
Example: for a capital and interest 5 Year Fixed mortgage, where LTV is 80% for £100,000 over 25 years. Monthly payments during the fixed rate period - £665.86. Monthly payments at current standard variable mortgage rate - £547.66. Total amount repayable - £171,985.00.
The ratio of loan required to property value or purchase price, whichever is lower is known as Loan to Value (LTV). Maximum mortgage available is 80% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: fix8924) |