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)


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE