Flexi Mortgage - Rates
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 |
| Flexi Variable rate |
N/A |
4.10% APR variable |
N/A |
Initial rate
4.00%
variable LTV: 60%
Available exclusively to ufirstgold / ufirst Private current account holders |
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.00% for the life of the mortgage. A valuation fee is paid by Ulster Bank Limited. 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 Flexi mortgage, where LTV is 60% or less, for £100,000 over 25 years at 4.00%, the overall cost for comparison is 4.10% APR variable. There would be 300 monthly repayments of £527.84, total amount repayable £158,947.00.
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. 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: var8864) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Flexi Variable rate |
N/A |
4.30% APR variable |
N/A |
Initial rate
4.20%
variable LTV: 60%
|
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.20% for the life of the mortgage. LTVs available are in steps of 5% up to 60%.
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 applicable on this variable rate mortgage.
Example: for a capital and interest Flexi mortgage, where LTV is 60% or less, for £100,000 over 25 years at 4.20%, the overall cost for comparison is 4.30% APR variable. There would be 300 monthly repayments of £538.94, total amount repayable £162,277.00.
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: var5244) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Flexi Variable rate |
N/A |
4.30% APR variable |
N/A |
Initial rate
4.20%
variable LTV: 60%
|
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.20% for the life of the mortgage. A valuation fee is paid by Ulster Bank Limited. 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 Flexi mortgage, where LTV is 60% or less, for £100,000 over 25 years at 4.20%, the overall cost for comparison is 4.30% APR variable. There would be 300 monthly repayments of £538.94, total amount repayable £162,277.00.
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. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: var8164) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Co-Ownership Flexi Variable rate |
N/A |
4.90% APR variable |
N/A |
Initial rate
4.75%
variable LTV: 85%
|
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.75% for the life of the mortgage. LTVs available are in steps of 5% up to 85%.
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 Flexi mortgage, where LTV is 85% or less, for £100,000 over 25 years at 4.75%, the overall cost for comparison is 4.90% APR variable. There would be 300 monthly repayments of £570.12, total amount repayable £171,631.00.
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: var4956) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| Flexi Variable rate |
N/A |
4.90% APR variable |
N/A |
Initial rate
4.75%
variable LTV: 90%
|
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.75% for the life of the mortgage.
A valuation fee is paid by Ulster Bank Limited. 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 Flexi mortgage, where LTV is 90% or less, for £100,000 over 25 years at 4.75%, the overall cost for comparison is 4.90% APR variable. There would be 300 monthly repayments of £570.12, total amount repayable £171,631.00.
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 90% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(Ref: var6584) |
| Mortgage type |
Ongoing rate after initial deal period |
The overall cost for comparison is |
Early repayment charge |
| First Buy Flexi Variable rate (80% LTV only) |
4.75% variable for the rest of the term |
4.90% APR variable |
N/A |
Initial rate
4.75%
variable LTV: 80%
|
|
This mortgage tracks our Standard Variable Rate plus a set margin of 0.75% for the life of the mortgage. Only 80% LTV is available on a First Buy mortgage.
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 Flexi mortgage, where LTV is 80%, for £100,000 over 25 years at 4.75%, the overall cost for comparison is 4.90% APR variable. There would be 300 monthly repayments of £570.12, total amount repayable £171,631.00.
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: var8884) |