Mortgages - Personal Banking | Ulster Bank

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Mortgages with Ulster Bank just got easier. When you apply for a mortgage with us, you can now upload, sign and view your documents online when you apply by phone or in branch.

Ulster Bank mortgages are available for over 18s

Request a call back from a mortgage adviser

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

Paperless Mortgage applications

Paperless mortgages application

You can now upload, sign and view all your documents online when you apply.

Take a look at our video to see how easy our paperless mortgage process is.

Getting started is easy

Before you start looking for a house, you need to know how much you can borrow.

Find out what your repayments are likely to be and whether there are any additional fees or repayment charges.

Once you've taken a look at our rates, you can get an indication of whether we can lend you the amount you need with an Agreement in Principle.

You can apply in branch or over the phone. Take a look at the options and find out what's best for you.

Get an Agreement in Principle What is an Agreement in Principle?

What is an Agreement in Principle?

It is an important step in applying for a mortgage. It gives an indication of whether we could lend you the amount you need to borrow. We use a soft credit check to do this, which has no impact on your credit file.

When you speak with a customer adviser, either on the phone or in your local branch we could let you know within 10 minutes if we could lend to you. We will just need some details of your income and commitments from you to help with our decision.

Get an Agreement in Principle
Help for what matters...

Same great rates for all customers

We offer the same great mortgage rates to new Ulster Bank customers and to our existing customers so when your fixed term ends, you can choose the best deal to suit your circumstances

Product fees may apply


Flexible mortgage

Help anytime - flexible mortgage appointments to suit your needs


We'll pay your mortgage
valuation fee

When you choose a mortgage with us, we'll pay the mortgage valuation fee

Exclusions may apply


Planning ahead is easy too

Now you can check your credit score for free in our mobile app.

Your credit score gives you an indication of your credit health. It's free and you can check it as often as you like without affecting your credit score in any way.

Credit score available to customers aged 18+ with a UK address, once opted in through the app, and is provided by TransUnion. App available to customers aged 11+ using compatible iOS and Android devices with a UK or international mobile number in specific countries.



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