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Compare Ulster Bank Mortgages. Ulster Bank is part of the Royal Bank of Scotland Group with branches throughout Ireland and Northern Ireland. They provide mortgages for current homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Lines are open:
Mon: 8am - 8pm
Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
Calls may be recorded

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Compare Ulster Bank mortgages

Considering a mortgage with Ulster Bank? Make sure to familiarise yourself with the key types of mortgage finance they offer so you can see which products are most appropriate for your needs.

First Time Buyer mortgages

Ulster Bank offer mortgages of up to 95% of the value of a property for first time buyers. This means if you cannot afford a big enough deposit for a traditional mortgage, you may still be able to move forward with purchasing your first home. To qualify you will need a deposit of between 5% and 10% of the value of the property you need to buy which must cost no more than £400,000.

Buy to Let mortgages

You can borrow against up to 3 buy to let properties with Ulster Bank up to a maximum combined value of £500,000. Unlike many lenders, Ulster Bank does not require your monthly rental income to exceed your monthly mortgage payments – they will allow other disposable income to be taken into account.

Remortgaging with the Ulster Bank

Moving your mortgage to Ulster Bank could allow you to borrow more, pay off your mortgage sooner or cut your monthly repayments. They offer to pay standard valuation fees and will pay the legal fees for standard remortgaging as long as you use their choice of solicitor.

Second charge mortgages

If you need to borrow more but are happy with your current mortgage and don’t want to give it up, a second charge mortgage could be a good option. This allows you to take out a separate second loan secured against your property, so you can release more equity from your home without interfering with your current mortgage deal.

Loan to value ratio

Loan to value (LTV) ratio lets you see how much you can borrow with a particular mortgage product. It tells you the maximum amount you will be allowed to borrow as a percentage of the market value of the property in question.

So, if you apply for a mortgage product with a maximum LTV of 75% with respect to a property worth £100,000, the most you would be allowed to borrow will be £75,000. Lenders will usually offer better interest rates on mortgages with a lower LTV, although various factors can affect this.

Find the best deals on mortgage rates

Many people struggle to know which mortgage products offer the best value. Our free mortgage calculator makes it fast and simple to compare mortgages from leading providers so you can see which offer the most competitive rates while matching your borrowing needs.

To use our mortgage calculator, head to the top of the page and plug in some basic information, including how much you would like to borrow and how long you plan to repay over. You will then see a range of suitable mortgages so you can make an informed decision.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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