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% |
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|
LTVs available are in steps of 5% up to 75%. (Ref: var6024) |
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| 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% |
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|
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. (Ref: var6164) |
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| 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% |
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|
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. (Ref: var4929) |
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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. (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%. (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. (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. (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. (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%. (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. (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. (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%. (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. (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%. (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. (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. (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. (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%. (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%. (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%. (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%. (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%. (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%. (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%. (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% |
|||
|
(Ref: var6584) |
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