Mortgages for First Time Buyers | Ulster Bank

Woman on laptop wearing face mask

First time buyers

Applying for a mortgage with Ulster Bank is now even quicker. When you apply with us, you can remove the hassle by uploading your documents online, whether you apply by phone or in branch.
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.

Stamp Duty holiday ends 30th June 2021

Make sure you allow enough time to complete your home purchase by 30th of June to take advantage of the Stamp Duty holiday. 

Different factors can influence whether you can complete your mortgage by the deadline. 

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

We don't currently offer any 95% mortgages

But don't worry, you can still use our rate finder to find a suitable mortgage and compare the different mortgage rates we do offer.

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

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 Co-Ownership.





More about Co-Ownership mortgages

Cashback Mortgages

Take out a first time buyer exclusive mortgage with us and get £250 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Offer can be changed or withdrawn at any time.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 80%.


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
Get in touch Call us today

Please call us on 0800 046 6486 to make an appointment


Lines are open: 

Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed.
Excluding public 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
Set Tab for lightbox