Mortgage rates and charges - Overview

Residential mortgage rates

All rates correct at 6th January 2012 and are subject to change. Over 18's only.
Calculations based on £100,000 over 25 years.

Discounted Mortgages

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Discounted Variable rate (discount on our standard variable rate) 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
2.60% variable
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 2 Year Discount variable mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the discounted rate period - £453.67. Monthly payments at current standard variable mortgage rate - £522.40. Total amount repayable - £155,665.48.

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 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: var7104)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Discounted Variable rate (discount on our standard variable rate) 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
2.70% variable
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 Discount variable mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the discounted rate period - £458.76. Monthly payments at current standard variable mortgage rate - £522.81. Total amount repayable - £155,900.80.

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: var7105)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 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
2.70% variable
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. 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 Discount variable mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the discounted variable rate period - £458.76. Monthly payments at current standard variable mortgage rate - £522.81. Total amount repayable - £155,900.80.

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: var7106)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 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
2.90% variable
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 Discount variable mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the discounted variable rate period - £469.03. Monthly payments at current standard variable mortgage rate - £523.62. Total amount repayable - £156,370.84.

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: var6024)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Discounted Variable rate (discount on our standard variable rate) 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
2.90% variable
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 Discount variable mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the discounted variable rate period - £469.03. Monthly payments at current standard variable mortgage rate - £523.62. Total amount repayable - £156,370.84.

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: var6164)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Discounted Variable Momentum rate (discount on our standard variable rate) 4.00% variable for the rest of the term 4.00% APR variable 3% of amount repaid if you repay prior to 31/03/2017
Initial rate
3.79% variable
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 Discounted rate mortgage.

Only available for new customers purchasing a property through the Momentum scheme.

Example: for a capital and interest 5 Year Discount Variable Momentum mortgage, where LTV is 95% or less, for £100,000 over 25 years. Monthly payments during the discounted rate period - £516.31. Monthly payments at current standard variable mortgage rate - £525.86. Total amount repayable - £157,480.00.

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: var4929)


Fixed Mortgages

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)


Momentum Mortgages

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Discounted Variable Momentum rate (discount on our standard variable rate) 4.00% variable for the rest of the term 4.00% APR variable 3% of amount repaid if you repay prior to 31/03/2017
Initial rate
3.79% variable
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 Discounted rate mortgage.

Only available for new customers purchasing a property through the Momentum scheme.

Example: for a capital and interest 5 Year Discount Variable Momentum mortgage, where LTV is 95% or less, for £100,000 over 25 years. Monthly payments during the discounted rate period - £516.31. Monthly payments at current standard variable mortgage rate - £525.86. Total amount repayable - £157,480.00.

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: var4929)

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)


Co-Ownership Mortgages

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 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
2.70% variable
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. 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 Discount variable mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the discounted variable rate period - £458.76. Monthly payments at current standard variable mortgage rate - £522.81. Total amount repayable - £155,900.80.

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: var7106)

Mortgage type Ongoing rate after initial deal period The overall cost for comparison is Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 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
2.90% variable
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 Discount variable mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the discounted variable rate period - £469.03. Monthly payments at current standard variable mortgage rate - £523.62. Total amount repayable - £156,370.84.

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: var6024)

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
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
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
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
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
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)

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
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
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
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)


Flexi Mortgages

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