Fixed rate mortgages - Rates
Looking for a guarantee that your mortgage repayments won't go up?
Rates correct as at 23rd March 2012 and are subject to change.
| 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.
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 - £155,658.72.
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 31/05/2014 | 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.
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 - £155,895.72.
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 31/05/2014 | 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%.
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.
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 - £155,895.72.
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 31/05/2014 | 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.
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 - £484.15. Monthly payments at current standard variable mortgage rate - £524.78. Total amount repayable - £156,458.88.
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. 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 31/05/2014 | 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%.
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.
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 - £484.15. Monthly payments at current standard variable mortgage rate - £524.78. Total amount repayable - £156,458.88.
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. 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 31/05/2017 | 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.
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 - £159,738.00.
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 31/05/2017 | 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.
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 - £160,293.00.
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 31/05/2017 | 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%.
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 £0 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 - £160,293.00.
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 31/05/2017 | 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.
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 - £553.00. Monthly payments at current standard variable mortgage rate - £531.95. Total amount repayable - £160,848.60.
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 31/05/2017 | 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%.
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 £0 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 - £553.00. Monthly payments at current standard variable mortgage rate - £531.95. Total amount repayable - £160,848.00.
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 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.
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 - £584.59. Monthly payments at current standard variable mortgage rate - £531.29. Total amount repayable - £160,666.20.
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 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 31/05/2014 | 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%.
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.
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 - £584.59. Monthly payments at current standard variable mortgage rate - £531.29. Total amount repayable - £160,666.20.
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 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 31/05/2014 (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.
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 - £584.59. Monthly payments at current standard variable mortgage rate - £531.29. Total amount repayable - £160,666.20.
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 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 31/05/2017 | 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%.
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 £0 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 - £629.11. Monthly payments at current standard variable mortgage rate - £542.99. Total amount repayable - £168,064.20.
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 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 31/05/2017 | 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.
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 - £629.11. Monthly payments at current standard variable mortgage rate - £542.99. Total amount repayable - £168,064.20.
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 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 31/05/2017 (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.
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 £0 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 - £629.11. Monthly payments at current standard variable mortgage rate - £542.99. Total amount repayable - £168,064.20.
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 80% of LTV. Ask for a personalised Key Facts Illustration from any Ulster Bank branch.
(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.
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 31/05/2014 | 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.
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) |