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Lending criteria, terms and conditions apply. Over 18s only and Republic of Ireland residents only. Mortgaged property must be in Republic of Ireland. Security, buildings insurance and life cover required. 

Buying your first home?

It's an exciting time buying your first home. But it can be hard to know where to start when it comes to the important decisions such as choosing the right mortgage.

We have tools and calculators to help you plan and helpful guides to lead you through every step.

If you are ready to make a move you can show agents and sellers that you're a serious buyer with our Approval in Principle letter.

Why choose us?

Ulster Bank mortgages

Why choose us?

We offer a contribution of €1,500 on all new residential mortgages towards your legal fees

We’ve lowered our variable and fixed rates

And we’ve extended our range of fixed terms to give you more choice so you could fix lower for longer

When your fixed term ends, we'll offer you the same great rates as new customers

If you choose a variable rate, you can move to a fixed rate at any time with no extra fees

With our Approval in Principle you could find out how much you could borrow in 10 minutes

We have specialist dedicated Mortgage Specialists available in every branch

Many of our branches are open for mortgage appointments on Saturday mornings

You can arrange a call back and one of our Mortgage Specialists will contact you at a time you request

Our Mobile Mortgage Managers can travel to meet you to discuss your new mortgage in a place that suits you

On all new residential mortgages

We now offer €1,500 towards your legal fees


This includes first time buyers, home movers and switchers for mortgage offers issued between 13th March and 31st December 2015.

Find out more about the offer and who is eligible.

What's the offer & who's eligible?

A mortgage you can live with

€1,500 towards your legal fees

What’s the offer

 Offer is available across the Ulster Bank residential mortgage product range

 Mortgage offer must be issued between 13th March and 31st December 2015

 €1,500 payment will be made into your current account as a contribution to your legal fees, after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower


Who is eligible?

 Any customer taking a new residential mortgage, including first time buyers, home movers and switchers

 Minimum mortgage amount is €40,000

 Excludes home mover mortgage where entire balance is on a historic ported product or 10 year tracker, further advance, negative equity, retention, transfer of title and buy to let mortgages

 For first time buyers a Loan to Value (LTV) up to 90% is available on the first €220,000 of a residential property and 80% LTV for any value above that. Up to 80% LTV is available for home mover and switcher mortgages

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Mortgage calculator

Found a house you want to buy?

Review our wide range of fixed rate and flexible variable rate mortgages and find out how much your repayments are likely to be with our easy to use mortgage calculator.

Find a mortgage

About our mortgages

Fixed rate mortgages

Our fixed rate mortgages may make budgeting a little easier as the repayment amount is fixed for an initial term

Find out more

Flexible variable mortgages

These mortgages track the Ulster Bank Standard Variable Rate plus or minus a set margin for the entire life of the loan

Find out more

Eligibility criteria

Find out about our eligibility criteria including how much you could borrow and for how long

Find out more


Costs to consider

Our guide to buying a home can help you begin to understand all the costs involved in buying your home.

You may also wish to consider taking out buildings and contents insurance along with sickness and unemployment cover, as appropriate.

Read our guide to buying a home More about our insurance and protection options


Getting started is easy

Tools and calculators

Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you.

This link is to a non Ulster Bank website. Ulster Bank is not liable for the accuracy of the information provided on this website.


Helpful guides

Family on sofa Buying a home

Our step-by-step guide to help you buy your new home.

Couple in branch with mortgage adviser/ specialist Application process

Our step-by-step guide to the mortgage application

Mother & daughter working at desk Common questions

Answers to questions we are asked most often about mortgages.

Row of terrace houses Jargon buster

A list of key terms and phrases we'd like to help you understand.

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