Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold / ufirst Private discount discounted with a typical 4.00% APR (variable) is €600.72 excluding insurance. Total amount repayable €144,172.80. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €44,172.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.72. The total cost of credit of a 1% rise in the rate of interest is €57,065.60.

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.

(Ref: var7824)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount, with a typical 4.00% APR (variable) is €603.35 excluding insurance. Total amount repayable €144,804.00. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €44,804.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.85. The total cost of credit of a 1% rise in the rate of interest is €57,728.00.

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.

(Ref: var4932)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with a typical 4.10% APR (variable) is €608.62 excluding insurance. Total amount repayable €146,068.80. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €46,068.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.10. The total cost of credit of a 1% rise in the rate of interest is €59,052.80.

(Ref: var4944)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold / ufirst Private discount, with a typical 4.20% APR (variable) is €611.26 excluding insurance. Total amount repayable €146,702.40. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €46,702.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.23. The total cost of credit of a 1% rise in the rate of interest is €59,717.60.

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.

(Ref: var7825)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount with a typical 4.20% APR (variable) is €613.91 excluding insurance. Total amount repayable €147,338.40. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €47,338.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.36. The total cost of credit of a 1% rise in the rate of interest is €60,384.80.

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.

(Ref: var4933)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with a typical 4.30% APR (variable) is €619.23 excluding insurance. Total amount repayable €148,615.20. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €48,615.20. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.61. The total cost of credit of a 1% rise in the rate of interest is €61,721.60.

(Ref: var4945)

Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage with a typical 5.50% APR is €682.25 excluding insurance. Total amount repayable €163,740.00. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €63,740.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €57.45. The total cost of credit of a 1% rise in the rate of interest is €77,528.00.

(Ref: var4946)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €619.23 excluding insurance. Total amount repayable €153,943.92. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €53,943.92.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8344)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.80% APR is €632.65 excluding insurance. Total amount repayable €154,518.72. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €54,518.72.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.80% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4926)

Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 5.00% APR is €687.89 excluding insurance. Total amount repayable €156,810.00. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €56,810.00.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 5.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4924)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.90% APR is €657.20 excluding insurance. Total amount repayable €155,767.56. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €55,767.56.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4925)