Mortgage rates and charges - Overview
Residential mortgage rates
All rates correct at 23rd March 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 | 3.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.60% variable until 31/05/2014 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 May 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 £0 is payable on this mortgage. (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 | 3.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.70% variable until 31/05/2014 LTV: 60% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (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 | 3.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.70% variable until 31/05/2014 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (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 31/05/2014 |
|
Initial rate
2.90% variable until 31/05/2014 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (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 31/05/2014 |
|
Initial rate
2.90% variable until 31/05/2014 LTV: 75% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (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 31/05/2017 |
|
Initial rate
3.79% variable until 31/05/2017 LTV: 95% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £295 is payable on this Discounted rate mortgage. (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 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.85% fixed until 31/05/2014 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 May 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 £0 is payable on this mortgage. (Ref: fix4950) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.95% fixed until 31/05/2014 LTV: 60% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (Ref: fix7107) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.95% fixed until 31/05/2014 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (Ref: fix7109) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
3.19% fixed until 31/05/2014 LTV: 75% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (Ref: fix4949) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
3.19% fixed until 31/05/2014 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (Ref: fix4954) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| ufirstgold Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.20% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.25% fixed until 31/05/2017 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 May 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 £0 is payable on this mortgage. (Ref: fix6004) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.20% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.35% fixed until 31/05/2017 LTV: 60% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this Fixed rate mortgage. (Ref: fix6484) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.20% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.35% fixed until 31/05/2017 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (Ref: fix6485) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.45% fixed until 31/05/2017 LTV: 75% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (Ref: fix4951) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.45% fixed until 31/05/2017 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (Ref: fix4955) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
5.00% fixed until 31/05/2014 LTV: 90% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (Ref: fix4948) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
5.00% fixed until 31/05/2014 LTV: 85% |
|||
|
LTVs available are in steps of 5% up to 85%. (Ref: fix6204) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| First Buy Fixed rate until 31/05/2014 (80% LTV only) | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
5.00% fixed until 31/05/2014 LTV: 80% |
|||
|
Only 80% LTV available. An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2014. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £0 is payable on this mortgage. (Ref: fix8904) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.75% fixed until 31/05/2017 LTV: 85% |
|||
|
LTVs available are in steps of 5% up to 85%. (Ref: fix6044) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.75% fixed until 31/05/2017 LTV: 90% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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 £0 is payable on this mortgage. (Ref: fix6184) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| First Buy Fixed rate until 31/05/2017 (80% LTV only) | 4.00% variable for the rest of the term | 4.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.75% fixed until 31/05/2017 LTV: 80% |
|||
|
Only 80% LTV available. (Ref: fix8924) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Momentum Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 5.00% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.99% fixed until 31/05/2017 LTV: 95% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £295 is payable on this Fixed rate mortgage. (Ref: fix4930) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Investment Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 4.60% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
6.19% fixed until 31/05/2014 LTV: 70% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 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. (Ref: fix6084) |
|||
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 31/05/2017 |
|
Initial rate
3.79% variable until 31/05/2017 LTV: 95% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £295 is payable on this Discounted rate mortgage. (Ref: var4929) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Momentum Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 5.00% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.99% fixed until 31/05/2017 LTV: 95% |
|||
|
An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2017. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £295 is payable on this Fixed rate mortgage. (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 | 3.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.70% variable until 31/05/2014 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (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 31/05/2014 |
|
Initial rate
2.90% variable until 31/05/2014 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (Ref: var6024) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
2.95% fixed until 31/05/2014 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (Ref: fix7109) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 3.90% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
3.19% fixed until 31/05/2014 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (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%. (Ref: var5244) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.20% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.35% fixed until 31/05/2017 LTV: 60% |
|||
|
LTVs available are in steps of 5% up to 60%. (Ref: fix6485) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
4.45% fixed until 31/05/2017 LTV: 75% |
|||
|
LTVs available are in steps of 5% up to 75%. (Ref: fix4955) |
|||
| 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%. (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) | N/A | 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. (Ref: var8884) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2014 | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
5.00% fixed until 31/05/2014 LTV: 85% |
|||
|
LTVs available are in steps of 5% up to 85%. (Ref: fix6204) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| First Buy Fixed rate until 31/05/2014 (80% LTV only) | 4.00% variable for the rest of the term | 4.30% APR variable | 3% of amount repaid if you repay prior to 31/05/2014 |
|
Initial rate
5.00% fixed until 31/05/2014 LTV: 80% |
|||
|
Only 80% LTV available. An early repayment charge is payable if the mortgage is paid, in part or full, before 31 May 2014. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £0 is payable on this mortgage. (Ref: fix8904) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| Co-Ownership Fixed rate until 31/05/2017 | 4.00% variable for the rest of the term | 4.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.75% fixed until 31/05/2017 LTV: 85% |
|||
|
LTVs available are in steps of 5% up to 85%. (Ref: fix6044) |
|||
| Mortgage type | Ongoing rate after initial deal period | The overall cost for comparison is | Early repayment charge |
| First Buy Fixed rate until 31/05/2017 (80% LTV only) | 4.00% variable for the rest of the term | 4.80% APR variable | 3% of amount repaid if you repay prior to 31/05/2017 |
|
Initial rate
5.75% fixed until 31/05/2017 LTV: 80% |
|||
|
Only 80% LTV available. (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 £0 is payable on this mortgage. Available to First Time Buyers, Home Movers and Re-mortgage customers. (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%. (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 £0 is payable on this mortgage. Available to First Time Buyers, Home Movers and Re-mortgage customers. (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%. (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. (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) | N/A | 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. (Ref: var8884) |
|||