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Mortgages

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1800 303 004

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If you would like to receive more information on Ulster Bank mortgages we can arrange for a mortgage specialist to call you back.

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Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

Mortgage Rates, Charges and Fees

All rates correct at 11 April 2014 and are subject to change. Over 18s only.

*Standard Variable Rate is currently 4.50% ( 4.60% APR*). The Standard Variable Rate is not available to new customers.

The typical examples quoted are for illustrative purposes only and the actual repayment may vary.

APR: Annual Percentage Rate

LTV**: Loan to Value

Variable
Mortgage type Typical APR 20 years
Discounted Variable <60% LTV with ufirstgold† / ufirst Private discount (Standard Variable Rate* minus 0.65% for the life of the mortgage) 3.90%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold† / ufirst Private discount at 3.90% APR (variable) is €598.11 excluding insurance. Total amount repayable €143,546.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.59.

Available to ufirstgold† and ufirst Private current account holders only. For ufirstgold† a monthly membership fee of €14 applies. For ufirst Private a monthly membership fee of €50 applies. This incorporates the monthly fee of €36 for the Private Relationship service provided to customers of Ulster Bank Private and the monthly fee of €14 for the benefits of the Ufirst Private account.

These fees are subject to change. If you close your ufirstgold† or ufirst Private account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

Existing customers only. The ufirst/ufirstgold current accounts are no longer available for sale.

(Ref: var9189)

Variable
Mortgage type Typical APR 20 years
Discounted Variable <60% LTV with ufirst† discount (Standard Variable Rate* minus 0.60% for the life of the mortgage) 4.00%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst† discount at 4.00% APR (variable) is €600.72 excluding insurance. Total amount repayable €144,172.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.72.

Available to ufirst† current account holders only. A monthly membership fee of €10 applies. This fee is subject to change. If you close your ufirst† account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

Existing customers only. The ufirst/ufirstgold current accounts are no longer available for sale.

(Ref: var9188)

Variable
Mortgage type Typical APR 20 years
Discounted Variable <75% LTV with ufirstgold† / ufirst Private discount (Standard Variable Rate* minus 0.55% for the life of the mortgage). Available exclusively to ufirstgold† / ufirst Private current account holders. 4.00%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold† / ufirst Private discount discounted at 4.00% APR (variable) is €603.35 excluding insurance. Total amount repayable €144,804.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.85.

Available to ufirstgold† and ufirst Private current account holders only. For ufirstgold† a monthly membership fee of €14 applies. For ufirst Private a monthly membership fee of €50 applies. This incorporates the monthly fee of €36 for the Private Relationship service provided to customers of Ulster Bank Private and the monthly fee of €14 for the benefits of the Ufirst Private account.

These fees are subject to change. If you close your ufirstgold† or ufirst Private account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

Existing customers only. The ufirst/ufirstgold current accounts are no longer available for sale.

(Ref: var7824)

Variable
Mortgage type Typical APR 20 years
Discounted Variable <75% LTV with ufirst† discount (Standard Variable Rate* minus 0.50% for the life of the mortgage)
Available exclusively to ufirst† current account holders
4.10%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst† discount, at 4.10% APR (variable) is €605.98 excluding insurance. Total amount repayable €145,435.20. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.98.

Available to ufirst† current account holders only. A monthly membership fee of €10 applies. This fee is subject to change. If you close your ufirst† account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

Existing customers only. The ufirst/ufirstgold current accounts are no longer available for sale.

(Ref: var4932)

Variable
Mortgage type Typical APR 20 years
Discounted Variable Mortgage <60% LTV (Standard Variable Rate* minus 0.50% for the life of the mortgage) 4.10%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.10% APR (variable) is €605.98 excluding insurance. Total amount repayable €145,435.20. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.98.

(Ref: var9187)

Variable
Mortgage type Typical APR 20 years
Discounted Variable Mortgage <75% (Standard Variable Rate* minus 0.40% for the life of the mortgage) 4.20%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.20% APR (variable) is €611.26 excluding insurance. Total amount repayable €146,702.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.23.

(Ref: var4944)

Variable
Mortgage type Typical APR 20 years
Flexible Variable Mortgage <90% (Standard Variable Rate* plus 0.0% for the life of the mortgage) 4.60%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.60% APR (variable) is €632.65 excluding insurance. Total amount repayable €151,836.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €55.24.

(Ref: var4945)

Variable
Mortgage type Typical APR 20 years
Investment Flexible Variable (Standard Variable Rate* + 0.65% for the life of the mortgage) 5.30%

Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage at 5.30% APR is €668.27 excluding insurance. Total amount repayable €160,384.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €56.84.

(Ref: var4946)

Variable
Mortgage type Typical APR 20 years
Discounted Variable Mortgage <90% (Standard Variable Rate minus 0.10% for the life of the mortgage) 4.50%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.50% APR (variable) is €627.26 excluding insurance. Total amount repayable €150,542.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.99.

(Ref: var10430)

Fixed
Mortgage type Typical APR 20 years
Fixed Rate until 31/08/2016 LTV<60% New Business Only 4.50%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.50% APR is €605.98 excluding insurance. Total amount repayable €150,694.80.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.40% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix9184)

Fixed
Mortgage type Typical APR 20 years
Fixed Rate until 31/08/2016 LTV<75% 4.60%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.60% APR is €632.11 excluding insurance. Total amount repayable €151,812.24.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.50% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix10530)

Fixed
Mortgage type Typical APR 20 years
Fixed Rate until 31/08/2016 LTV<90% 4.60%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.60% APR is €640.77 excluding insurance. Total amount repayable €152,177.76.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.60% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix4926)

Fixed
Mortgage type Typical APR 20 years
Investment Fixed Rate until 31/08/2016 4.80%

Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 4.80% APR is €687.89 excluding insurance. Total amount repayable €154,107.84.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.80% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix4924)

Fixed
Mortgage type Typical APR 20 years
Fixed Rate until 31/08/2017 LTV<90% 4.70%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €653.89 excluding insurance. Total amount repayable €153,141.24.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix4925)

Fixed
Mortgage type Typical APR 20 years
Fixed Rate until 31/08/2019 LTV<90% 5.00%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 5.00% APR is €673.84 excluding insurance. Total amount repayable €155,855.40.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 5.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen.

(Ref: fix8988)

VARIABLE RATE LOANS: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.

WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.