First Time Buyers - Mortgages | Ulster Bank

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First time home buyers

Get on the ladder with our range of low deposit mortgages

Ulster Bank mortgages are available for over 18s

Request a callback from a mortgage adviser

Your home may be repossessed if you do
not keep up repayments on your mortgage.

Get started with our first time buyer mortgage calculators

 

Compare rates and monthly repayments

See our first time buyer mortgage rates, including 5% deposit mortgages, and compare monthly repayments and deals.

Find out how much you could borrow

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your first home with confidence.

Easily compare mortgage rates and deals

Get an indication of the monthly repayment

Search our mortgages

A personalised indication of how much you could borrow

No impact on your credit file

Get an Agreement in Principle

First time buyer offers and schemes

 

95% Mortgages

A 95% mortgage allows you to borrow up to 95% of the value of the property you wish to purchase.

This means you could get your new home sooner than you think, with a deposit of at least 5% but less than 10%.

The property you’re purchasing should be worth less than £400,000 and not a new build property.

More about 95% mortgages

Co-Ownership Mortgages

If you want to buy your first home, but cannot afford to do so without help, we may be able to help you along with the Co-Ownership Housing Association.

 

 

 

 

More about Co-Ownership mortgages

Cashback Mortgages

Take out a first time buyer exclusive mortgage with us and get £500 cashback, paid to your solicitor on the day of drawdown of the mortgage.

Offer can be changed or withdrawn at any time. Early repayment charges may apply. Max LTV 90%.

 

More about cashback mortgages

How to apply

Apply in branch

Get advice on which mortgage is best for you.

You can choose to meet with a qualified mortgage adviser at your local branch. Many branches are open Saturdays.

Your appointment will take around 2 hours.

Request a branch
appointment
Get in touch Call us today

Please call us on 0800 046 6486 to make an appointment

 

Lines are open: 

Mon & Fri 8.30am - 8pm

(excluding bank holidays)

Calls may be recorded. Calls from mobile phones may not be free.

What documents should I bring to my appointment?

Apply by phone

Get advice on which mortgage is best for you.

Talk to our of our qualified mortgage advisers over the phone.

Your appointment will take around 2 hours.

Request a phone
appointment
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