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Ulster Bank

Compare mortgages from one of Ireland's leading banks using the table below. Ulster Bank employs over 5,000 employees across the Republic of Ireland and Northern Ireland, establishing a significant presence on every county on the island.

Compare mortgages

Reason for mortgage
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£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 31/01/2019
Initial rate
1.48%then 3.75% (variable)
Fees
£662fees
Overall cost
3.4%APRC
Monthly cost
£638.40 for 24 months then £807.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,975 includes: Loan amount (£160,000); Interest (£78,314); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.48%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.4%APRC
Monthly cost
£638.40 for 24 months then £807.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,771 includes: Loan amount (£160,000); Interest (£78,314); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.73%then 3.75% (variable)
Fees
£662fees
Overall cost
3.5%APRC
Monthly cost
£657.33 for 24 months then £809.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,916 includes: Loan amount (£160,000); Interest (£79,254); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.73%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.5%APRC
Monthly cost
£657.33 for 24 months then £809.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,712 includes: Loan amount (£160,000); Interest (£79,254); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.79%then 3.75% (variable)
Fees
£662fees
Overall cost
3.5%APRC
Monthly cost
£661.93 for 24 months then £810.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,141 includes: Loan amount (£160,000); Interest (£79,480); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.79%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.5%APRC
Monthly cost
£661.93 for 24 months then £810.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,937 includes: Loan amount (£160,000); Interest (£79,480); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
1.93%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.4%APRC
Monthly cost
£672.73 for 36 months then £805.29 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,272 includes: Loan amount (£160,000); Interest (£76,814); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
1.93%then 3.75% (variable)
Fees
£662fees
Overall cost
3.4%APRC
Monthly cost
£672.73 for 36 months then £805.29 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,476 includes: Loan amount (£160,000); Interest (£76,814); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.94%then 3.75% (variable)
Fees
£463fees
Overall cost
3.5%APRC
Monthly cost
£673.50 for 24 months then £811.16 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,506 includes: Loan amount (£160,000); Interest (£80,043); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.94%then 3.75% (variable)
Fees
£463fees
Overall cost
3.5%APRC
Monthly cost
£673.50 for 24 months then £811.16 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,506 includes: Loan amount (£160,000); Interest (£80,043); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.02%then 3.75% (variable)
Fees
£2,458fees
Overall cost
3.5%APRC
Monthly cost
£679.73 for 24 months then £811.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £242,801 includes: Loan amount (£160,000); Interest (£80,343); Application fee (£1,995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.02%then 3.75% (variable)
Fees
£2,458fees
Overall cost
3.5%APRC
Monthly cost
£679.73 for 24 months then £811.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £242,801 includes: Loan amount (£160,000); Interest (£80,343); Application fee (£1,995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.13%then 3.75% (variable)
Fees
£662fees
Overall cost
3.5%APRC
Monthly cost
£688.34 for 24 months then £812.45 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £241,417 includes: Loan amount (£160,000); Interest (£80,756); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.13%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.5%APRC
Monthly cost
£688.34 for 24 months then £812.45 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £242,213 includes: Loan amount (£160,000); Interest (£80,756); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
2.18%then 3.75% (variable)
Fees
£662fees
Overall cost
3.4%APRC
Monthly cost
£692.28 for 36 months then £807.83 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,849 includes: Loan amount (£160,000); Interest (£78,188); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
2.18%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.4%APRC
Monthly cost
£692.28 for 36 months then £807.83 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,645 includes: Loan amount (£160,000); Interest (£78,188); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 3.75% (variable)
Fees
£463fees
Overall cost
3.6%APRC
Monthly cost
£693.06 for 24 months then £812.85 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £241,443 includes: Loan amount (£160,000); Interest (£80,980); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 3.75% (variable)
Fees
£463fees
Overall cost
3.6%APRC
Monthly cost
£693.06 for 24 months then £812.85 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £241,443 includes: Loan amount (£160,000); Interest (£80,980); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2022
Initial rate
2.23%then 3.75% (variable)
Fees
£662fees
Overall cost
3.2%APRC
Monthly cost
£696.23 for 60 months then £798.66 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £234,113 includes: Loan amount (£160,000); Interest (£73,451); Application fee (£199); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2022
Initial rate
2.23%then 3.75% (variable)
Fees
£1,458fees
Overall cost
3.2%APRC
Monthly cost
£696.23 for 60 months then £798.66 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £234,909 includes: Loan amount (£160,000); Interest (£73,451); Application fee (£995); Valuation fee (£190); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£125); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Ulster Bank

Established in the 19th century, with nearly 2 million customers, Ulster Bank prides itself on its history and proud heritage as an important part of Irish life.

Ulster Bank is naturally better known for its banking services and for providing Ireland with a variety of financial products, but it has also based its targets on giving back to the communities they work in and serve.

In order to do this, Ulster Bank have two main objectives. The first of which is to encourage their employees to take up an active role in their community's projects and their various fundraising initiatives, as well as voluntary work.

Secondly, Ulster Bank also gives financial backing to these communities through their specially set up community investment programmes and sponsorship.

Another central component to Ulster Bank's philosophy is all about demonstrating a commitment to 'sustainable banking'. For Ulster Bank, this means serving all of its customers in a financially sustainable manner, and making a key contribution to Ireland's economy, and the society and communities it serves.

This attitude towards sustainability and the recognition of communities in helping to create the bank's success has formed the underlying basis of Ulster Bank's brand and how it operates.

From supporting businesses in their financial goals in order to support the wider economy's growth, to building trust with the people in the community whom they lend to and serve their financial products to, so that they can continue contributing to their society.

Ulster Bank mortgages

You can find mortgages for ffirst time buyers and buy-to-let mortgages, as well as remortgage deals and mortgages for moving home from Ulster Bank, using the comparison table above.

Ulster Bank has a range of "Flexi Mortgages", which are essentially mortgages with options to give customers a little more flexibility in how they make their repayments.

These include the opportunity to pay back more in your mortgage repayments, or paying off a lump sum, and saving interest and reducing the length of the mortgage.

Ulster Bank also offers the option to take repayment holidays, with the interest being added to the mortgage capital during the break period. This could be useful to those planning to take a career break or taking time off work to be with family.

Alternatively, Ulster Bank allow repayment holidays to be taken on two months out of the year, which could be useful around the Christmas period when bills can really add up. This means your repayments get divided over 10 months, rather than 12. So if you can afford to repay more, you can have two months of not having to worry about your mortgage repayments.

Ulster Bank tend to specialise in fixed rate mortgage deals, although they do also offer a few variable rate options as well. Use the table above to see what mortgages Ulster Bank has available.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

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