First time buyers only and residents in Northern Ireland. Mortgaged property must be in Northern Ireland, and minimum mortgage amount is £10,000. Available with participating developments only. Lending criteria, terms and conditions apply.

Over 18s only. 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.

This offer is for residential mortgages only. 95% loan to value applies to Momentum mortgage only. An arrangement fee of £295 applies. At the end of the five year term your property will be valued. If the value of your property has increased by 5% or more you are required to pay back the original deposit to the developer through personal savings, a personal loan or by topping up your Ulster Bank mortgage. Personal loans and mortgage top-ups are subject to eligibility. Any increase in borrowing by way of a mortgage top-up will increase your mortgage amount and loan to value.

If you sell your property within 5 years of mortgage drawdown, you will be required to repay the full deposit to the developer.

Product terms and conditions apply - please refer to your Letter of Offer for full details.