Over 18s only and resident in Northern Ireland. Lending criteria, terms and conditions apply.

Security may be required. Home Insurance is required.

Mortgaged property must be in Northern Ireland, and minimum mortgage amount is £10,000. If you are switching your mortgage to Ulster Bank the minimum mortgage amount is £30,000. The maximum sum advanced is the lower of the purchase price or value of the property. Minimum value of property to be mortgaged is £50,000. The maximum LTV (Loan to Value) which will normally be advanced is 90%. For properties valued between £50,000 and £60,000 the maximum LTV is 80%.

The maximum term is 35 years. No maximum age. Where a mortgage extends beyond normal retirement age, you should be able to demonstrate continued ability to service the loan by way of pension or alternative means.

The cost of a valuation of a property is approximately £190. The valuation fee will be paid by Ulster Bank on all residential mortgages and investment remortgages where the property value is up to £1 million. Valuation fee is negotiable for properties valued in excess of £1 million.

For Investment purchase cases the valuation fee is payable by the customer.

A Deeds/Redemption Fee applies - this is a fee, ranging from £75 to £125, for the legal discharge of your mortgage (not including the solicitor's fees). Refer to your individual Letter of Offer for the actual amount.

For full details on our Mortgage Tariff of Charges please click here

Different mortgages offer different features and you should speak to a customer advisor at any branch of Ulster Bank for full details and a Personalised Key Facts Illustrations (written quotation) on any variable or fixed rate Ulster Bank mortgage.

Existing Ulster Bank mortgage customers looking to switch between Ulster Bank mortgage products should speak to their branch representative.

The bank observes a strict duty of confidentiality about your financial affairs. We will not disclose details of your accounts or your name and address to anyone else, other than to any confidentially appointed agents acting on our behalf, except in the four cases permitted by law. These are - where we are legally compelled to do so, where there is a duty to the public to disclose, where our legitimate interests require disclosure, where disclosure is made at your request or with your consent.

Formalities include the use of credit reference agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full, within the agreed credit terms, credit reference agencies may be advised and will note the outstanding debt. This may affect any future applications for credit facilities through the Ulster Bank Limited group of companies (Ulster Bank) or other lenders.