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Co-Ownership - Rates

Rates correct as at 1st May 2013 and are subject to change.

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20154.00% variable for the rest of the term3.80% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
2.4% fixed
until 30/06/2015
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 30 June 2015. 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 - £443.60. Monthly payments at current standard variable mortgage rate - £521.56. Total amount repayable - £155,191.96. 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: fix10088)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06//20154.00% variable for the rest of the term3.90% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
2.8% fixed
until 30/06/2015
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 30 June 2015. 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. No arrangement fee 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 - £463.87. Monthly payments at current standard variable mortgage rate - £523.22. Total amount repayable - £155,541.60.

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 60% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix7109)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20154.00% variable for the rest of the term3.90% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
2.89% fixed
until 30/06/2015
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 30 June 2015. 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 - £468.51. Monthly payments at current standard variable mortgage rate - £523.58. Total amount repayable - £156,347.32. 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: fix10090)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Discounted Variable rate (discounted on our standard variable rate)4.00% variable for the rest of the term3.90% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
2.95% variable
until 30/06/2015
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 30 June 2015. 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 - £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 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var10086)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20154.00% variable for the rest of the term3.90% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
3.29% fixed
until 30/06/2015
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 30 June 2015. A valuation fee is paid by Ulster Bank Limited. No arrangement fee 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 - £489.43. Monthly payments at current standard variable mortgage rate - £525.17. Total amount repayable - £156,693.24.

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 typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20184.00% variable for the rest of the term3.80% APR variable3% of amount repaid if you repay prior to 30/06/2018
Initial rate
3.29% fixed
until 30/06/2018
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 30 June 2018. 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 5 Year Fixed mortgage, where LTV is 60% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £489.43. Monthly payments at current standard variable mortgage rate - £521.03. Total amount repayable - £155,008.00. 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.

        

(Ref: fix10094)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Discount rate (discount on our standard variable rate)4.00% variable for the rest of the term4.00% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
3.35% variable
until 30/06/2015
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 30 June 2015. A valuation fee is paid by Ulster Bank Limited. No arrangement fee 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 - £492.61. Monthly payments at current standard variable mortgage rate - £525.40. Total amount repayable - £156,833.04.

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: var6024)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20184.00% variable for the rest of the term4.00% APR variable3% of amount repaid if you repay prior to 30/06/2018
Initial rate
3.59% fixed
until 30/06/2018
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 30 June 2018. 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 - £505.46. Monthly payments at current standard variable mortgage rate - £523.96 Total amount repayable - £156,673.00.

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 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4955)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20184.00% variable for the rest of the term3.90% APR variable3% of amount repaid if you repay prior to 30/06/2018
Initial rate
3.69% fixed
until 30/06/2018
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 30 June 2018. A valuation fee is paid by Ulster Bank Limited. No arrangement fee 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 - £510.87. Monthly payments at current standard variable mortgage rate - £524.91. Total amount repayable - £156,630.60.

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 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 typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20184.00% variable for the rest of the term4.10% APR variable3% of amount repaid if you repay prior to 30/06/2018
Initial rate
3.99% fixed
until 30/06/2018
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 30 June 2018. 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 5 Year Fixed mortgage, where LTV is 75% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £527.28. Monthly payments at current standard variable mortgage rate - £527.75. Total amount repayable - £158,296.80. 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 75% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix10092)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20154.00% variable for the rest of the term4.10% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
3.99% fixed
until 30/06/2015
LTV: 80%

LTVs available are in steps of 5% up to 80%. An early repayment charge is payable if the mortgage is paid, in part or full, before 30 June 2015. 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 80% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £527.28. Monthly payments at current standard variable mortgage rate - £527.80. Total amount repayable - £158,922.52. 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 80% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix10104)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Flexi Variable rateN/A4.30% APR variableN/A
Initial rate
4.2% variable
until 28/04/2013
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 typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Flexi Variable rateN/A4.90% APR variableN/A
Initial rate
4.75% variable
until 30/04/2013
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 typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20184.00% variable for the rest of the term4.60% APR variable3% of amount repaid if you repay prior to 30/06/2018
Initial rate
4.99% fixed
until 30/06/2018
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 30 June 2018. 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 only.

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 - £584.01. Monthly payments at current standard variable mortgage rate - £536.69. Total amount repayable - £164,441.20.

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 85% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix9465)

Mortgage typeOngoing rate after initial deal periodThe overall cost for comparison isEarly repayment charge
Co-Ownership Fixed rate until 30/06/20154.00% variable for the rest of the term4.30% APR variable3% of amount repaid if you repay prior to 30/06/2015
Initial rate
5.1% fixed
until 30/06/2015
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 30 June 2015. 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 - £590.43. Monthly payments at current standard variable mortgage rate - £531.61. Total amount repayable - £161,489.68.

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)



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