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
✔ A personalised indication of how much you could borrow
✔ No impact on your credit file
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.
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.
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Offer can be changed or withdrawn at any time.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 90%.
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.
appointment 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.
appointment