Useful information

Mortgage rates and charges - Overview

Residential mortgage rates

All rates correct at 28th January 2010 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 fixed period Overall cost for comparison Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 4.00% variable for the rest of the term 4.00% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.19% variable
until 31/03/2012
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 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 is payable on this Discount variable rate 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 assuming current rate of 3.19% - £484.15. Monthly payments at current standard variable mortgage rate - £524.78. Total amount repayable - £156,953.88.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var6024)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Discounted Variable rate (discount on our standard variable rate) 4.00% variable for the rest of the term 4.00% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.19% variable
until 31/03/2012
LTV: 75%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. 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 £495 is payable on this mortgage.

Available to First Time Buyers, Home Movers and Remortgage customers.

Example: Monthly payments during the discounted rate period - £484.15. Monthly payments at current standard variable mortgage rate - £524.78. Total amount repayable - £156,953.88.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var6164)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Discounted Variable Momentum rate (discount on our standard variable rate) 4.00% variable for the rest of the term 3.90% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
3.45% variable
until 31/03/2015
LTV: 95%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. 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: Monthly payments during the discounted rate period - £497.95. Monthly payments at current standard variable mortgage rate - £522.60. Total amount repayable - £155,596.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

5% deposit provided by the developer

        

(Ref: var4929)


Fixed Mortgages

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.10% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.99% fixed
until 31/03/2012
LTV: 75%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. 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 £495 is payable on this Fixed rate mortgage.

Available to First Time Buyers, Home Movers and Remortgage 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 - £527.28. Monthly payments at current standard variable mortgage rate - £527.80 Total amount repayable - £158,822.52.

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 75% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4949)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.10% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.99% fixed
until 31/03/2012
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 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 - £527.28. Monthly payments at current standard variable mortgage rate - £527.80. Total amount repayable - £158,822.52.

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 75% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4954)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Momentum Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.70% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.39% fixed
until 31/03/2015
LTV: 95%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. 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: Monthly payments during the fixed rate period - £607.54. Monthly payments at current standard variable mortgage rate - £540.06. Total amount repayable - £166,361.80.

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 95% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

5% deposit provided by the developer

        

(Ref: fix4930)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
ufirstgold Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.70% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.39% fixed
until 31/03/2015
LTV: 75%
Available exclusively to ufirstgold current account holders

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 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 £495 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 75% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £607.54. Monthly payments at current standard variable mortgage rate - £540.06. Total amount repayable - £166,561.80.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

Only available for ufirstgold current account customers.

        

(Ref: fix4950)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.80% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.49% fixed
until 31/03/2015
LTV: 75%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 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 £495 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 75% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £613.49. Monthly payments at current standard variable mortgage rate - £540.89. Total amount repayable - £167,118.00.

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 75% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4951)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.80% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.49% fixed
until 31/03/2015
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 31 March 2015. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 - £613.49. Monthly payments at current standard variable mortgage rate - £540.89. Total amount repayable - £167,118.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4955)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.50% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
5.89% fixed
until 31/03/2012
LTV: 90%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. 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 £495 is payable on this Fixed rate mortgage.

Available to First Time Buyers, Home Movers and Remortgage 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 - £163,200.48.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4948)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Investment Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.50% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
5.89% fixed
until 31/03/2012
LTV: 70%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. 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 £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 - £637.59. Monthly payments at current standard variable mortgage rate - £534.07. Total amount repayable - £163,704.48.

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 70% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6084)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.50% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
5.89% fixed
until 31/03/2012
LTV: 90%

LTVs available are in steps of 5% up to 90%.

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 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 - £163,200.48.

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 90% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6204)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
ufirstgold Fixed rate until 31/03/2015 4.00% variable for the rest of the term 5.20% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
6.39% fixed
until 31/03/2015
LTV: 90%
Available exclusively to ufirstgold current account holders

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 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 £495 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 90% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £668.35. Monthly payments at current standard variable mortgage rate - £547.96. Total amount repayable - £172,106.40.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6004)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2015 4.00% variable for the rest of the term 5.20% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
6.49% fixed
until 31/03/2015
LTV: 90%

LTVs available are in steps of 5% up to 90%.

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 90% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £674.58. Monthly payments at current standard variable mortgage rate - £548.72. Total amount repayable - £172,662.60.

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 90% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6044)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Fixed rate until 31/03/2015 4.00% variable for the rest of the term 5.20% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
6.49% fixed
until 31/03/2015
LTV: 90%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 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 £495 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 90% or less, for £100,000 over 25 years. Monthly payments during the fixed rate period - £674.58. Monthly payments at current standard variable mortgage rate - £548.72. Total amount repayable - £172,662.60.

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 90% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6184)


Momentum Mortgages

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Discounted Variable Momentum rate (discount on our standard variable rate) 4.00% variable for the rest of the term 3.90% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
3.45% variable
until 31/03/2015
LTV: 95%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. 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: Monthly payments during the discounted rate period - £497.95. Monthly payments at current standard variable mortgage rate - £522.60. Total amount repayable - £155,596.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

5% deposit provided by the developer

        

(Ref: var4929)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Momentum Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.70% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.39% fixed
until 31/03/2015
LTV: 95%

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. 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: Monthly payments during the fixed rate period - £607.54. Monthly payments at current standard variable mortgage rate - £540.06. Total amount repayable - £166,361.80.

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 95% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

5% deposit provided by the developer

        

(Ref: fix4930)


Co-Ownership Mortgages

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Discount rate (discount on our standard variable rate) 4.00% variable for the rest of the term 4.00% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.19% variable
until 31/03/2012
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 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 is payable on this Discount variable rate 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 assuming current rate of 3.19% - £484.15. Monthly payments at current standard variable mortgage rate - £524.78. Total amount repayable - £156,953.88.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var6024)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.10% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
3.99% fixed
until 31/03/2012
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 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 - £527.28. Monthly payments at current standard variable mortgage rate - £527.80. Total amount repayable - £158,822.52.

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 75% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4954)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Flexi Variable rate N/A 4.70% APR variable N/A
Initial rate
4.58% variable
(0.58% above our current SVR)
LTV: 90%

LTVs available are in steps of 5% up to 90%.

A valuation fee is paid by Ulster Bank Limited. No arrangement fee is applicable on this variable rate 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 90% or less, for £100,000 over 25 years at 4.58%, the overall cost for comparison is 4.7% APR variable. There would be 300 monthly repayments of £560.38, total amount repayable £168,114.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var4956)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2015 4.00% variable for the rest of the term 4.80% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
5.49% fixed
until 31/03/2015
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 31 March 2015. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 - £613.49. Monthly payments at current standard variable mortgage rate - £540.89. Total amount repayable - £167,118.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix4955)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2012 4.00% variable for the rest of the term 4.50% APR variable 3% of outstanding balance if you repay prior to 31/03/2012
Initial rate
5.89% fixed
until 31/03/2012
LTV: 90%

LTVs available are in steps of 5% up to 90%.

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2012. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 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 - £163,200.48.

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 90% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6204)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Fixed rate until 31/03/2015 4.00% variable for the rest of the term 5.20% APR variable 3% of outstanding balance if you repay prior to 31/03/2015
Initial rate
6.49% fixed
until 31/03/2015
LTV: 90%

LTVs available are in steps of 5% up to 90%.

An early repayment charge is payable if the mortgage is paid, in part or full, before 31 March 2015. A valuation fee is paid by Ulster Bank Limited. An arrangement fee of £495 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 90% or less for £100,000 over 25 years. Monthly payments during the fixed rate period - £674.58. Monthly payments at current standard variable mortgage rate - £548.72. Total amount repayable - £172,662.60.

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 90% of LTV. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: fix6044)


Flexi Mortgages

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Co-Ownership Flexi Variable rate N/A 4.70% APR variable N/A
Initial rate
4.58% variable
(0.58% above our current SVR)
LTV: 90%

LTVs available are in steps of 5% up to 90%.

A valuation fee is paid by Ulster Bank Limited. No arrangement fee is applicable on this variable rate 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 90% or less, for £100,000 over 25 years at 4.58%, the overall cost for comparison is 4.7% APR variable. There would be 300 monthly repayments of £560.38, total amount repayable £168,114.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var4956)

Mortgage type Ongoing rate after initial fixed period Overall cost for comparison Early repayment charge
Flexi Variable rate N/A 4.70% APR variable N/A
Initial rate
4.58% variable
(0.58% above our current SVR)
LTV: 90%



A valuation fee is paid by Ulster Bank Limited. No arrangement fee is applicable on this variable rate mortgage.

Available to First Time Buyers, Home Movers and Remortgage customers.

Example: for a capital and interest Flexi mortgage, where LTV is 90% or less, for £100,000 over 25 years at 4.58%, the overall cost for comparison is 4.7% APR variable. There would be 300 monthly repayments of £560.38, total amount repayable £168,114.00.

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. The actual rate depends on your circumstances. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.

        

(Ref: var6584)


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