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First Trust Bank (NI)

First Trust Bank (NI) mortgages are designed for first time buyers, home movers and customers wishing to buy a home through the Northern Ireland government’s Co-ownership scheme.

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About First Trust Bank (NI)

First Trust Bank is a subsidiary of the Allied Irish Banks Group. First Trust is one of the main commercial banks in Northern Ireland and was created in 1991 after a merger between TSB Northern Ireland and other entities in AIB. The head office of First Trust Bank is in Belfast. The bank has numerous branches throughout Northern Ireland.

Customers can enjoy a wide range of different services from First Trust Bank in Northern Ireland. The bank provides savings accounts, current accounts, mortgages, credit cards and loans, plus accounts for young people, students and graduates. First Direct also provides financial planning services, including insurance, investments and foreign currency.

First time buyers can enjoy special incentives when they purchase a First Trust Bank (NI) mortgage. These include no booking or arrangement fees, and a refund of valuation fees. The main types of first time buyer mortgage are discounted rate and fixed rate products.

First Trust Bank (NI) mortgages for home movers include two or three year discounted variable rate mortgages and fixed rate products.

Buyers moving to the First Trust Bank from another bank will not be charged an arrangement fee. The bank will also refund their valuation fee and pay some of their legal costs.

Co-ownership mortgages from First Trust Bank are available for first time buyers or buyers returning after a hiatus; existing homeowners are not eligible. Customers typically obtain a mortgage for a percentage of the property’s value and Co-Ownership Housing funds the other percentage.

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