The actual rate available will depend upon your circumstances. Ask for a personalised key facts illustration. key facts illustrations are available from any Ulster Bank branch.

Over 18s only and resident in Northern Ireland, subject to status and conditions. Security and home insurance are required.

Mortgaged property must be in Northern Ireland, and minimum mortgage amount is £10,000. Maximum mortgage available is up to 90% of purchase price / value of the property (whichever is lower). Deeds administration fee of £125 payable on all mortgages redeemed prior to the end of the agreed term. The cost of a valuation of a property is approximately £190. The valuation fee will be paid by Ulster Bank on all residential mortgages and investment remortgages where the property value is up to £1 million. Valuation fee is negotiable for properties valued in excess of £1 million. If mortgage is repaid in full or part within 2 years of drawdown, a penalty equal to the full amount of the valuation fees paid by Ulster Bank will be payable by the customer.

Different mortgages offer different features and you should speak to a customer advisor at any branch of Ulster Bank for full details and a written quotation on any variable or fixed rate Ulster Bank mortgage.

Existing Ulster Bank mortgage customers looking to switch between Ulster Bank mortgage products should speak to their branch representative.

The bank observes a strict duty of confidentiality about your financial affairs. We will not disclose details of your accounts or your name and address to anyone else, other than to any confidentially appointed agents acting on our behalf, except in the four cases permitted by law. These are - where we are legally compelled to do so, where there is a duty to the public to disclose, where our legitimate interests require disclosure, where disclosure is made at your request or with your consent.

Formalities include the use of credit reference agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full, within the agreed credit terms, credit reference agencies may be advised and will note the outstanding debt. This may affect any future applications for credit facilities through the Ulster Bank Limited group of companies (Ulster Bank) or other lenders.

Details of account fees and ancillary charges are given in our account fees brochure and insert available from any Ulster Bank branch. When any change takes place in our account fees, we will write to you and give you at least 30 days' notice.