Ulster Bank Flexible Variable Mortgage <=90%

80 %

loan to

35 years



Interest Rate

  • First Time Buyer
  • Available to New Customers
  • €1,500 Towards Legal Costs

WARNING: If you do not meet the repayments on your Mortgage, you are at risk of losing your home.

About The Mortgage

About the Mortgage:

  • Interest Rate is 4.3%. APRC is 4.4%
  • The minimum age for applicants is 18 years.
  • Available to first time buyers.
  • Available to new customers.
  • Minimum loan amount €40,000.
  • Minimum term (First Time Buyers) 5 years.
  • Maximum term (First Time Buyers) 35 years.
  • Maximum Loan-to-Value (First Time Buyers) 90% where amount borrowed is less than €220,000, otherwise it is 80% .
  • Flexible Variable Mortgage = Standard Variable Rate plus 0.0% for the life of the mortgage.

Fees & Charges

Document issuing

A fee charged when you request your mortgage provider to supply additional copies of your mortgage contract or statement of interest.

ATR fee

An Accountable Trust Receipt (ATR) fee refers to a charge associated with having your solicitor keep the deeds to the property on behalf of your mortgage provider.

Vacate fee

A fee charged at the end of a mortgage when you’ve paid the balance in full to release the deeds to your property and remove the bank’s claim on them.

Valuation fee

A fee charged when the bank sends a qualified surveyor to your property to assess its value.

Transfer Rate fee

Fee for converting from an existing variable rate or tracker rate mortgage to a fixed rate mortgage is €125.

Late Payment fee

Please check with your lender.

Other fees

Please check with your lender.


€1,500 Towards Legal Costs


A €1,500 payment will be made into your current account as a contribution to your legal fees, after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. Offer is available across the Ulster Bank residential mortgage product range. Mortgage offer must be issued before 31st December 2016. This offer is not available to existing customers.



Interest Rate

Flexible Variable Mortgage <=90%


WARNING: If you do not meet the repayments on your Mortgage, you are at risk of losing your home.

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