Personal
Mortgages

Mortgages

Ulster Bank Mortgages

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Ulster Bank mortgages are available for over 18s. Ulster Bank mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.

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Got a mortgage with Ulster Bank? Open in new window

Find out about NatWest mortgages Open in new window

See our mortgage guides Open in new window

Ready to apply? Open in new window

Get a Mortgage Agreement in Principle with NatWest

Get a personalised indication of how much you could borrow in less than 10 minutes.
It won't impact your credit score.

Find out how much you could borrow Open in new window

Learn about home-buying with our mortgage guides

Getting a mortgage can seem tricky. There are lots of different factors to consider and different types of mortgages to compare.

We’ve created some mortgage guides to help you through the process.

See all mortgage guides Open in new window

Frequently Asked Questions

What is a mortgage?

Very few first time buyers will buy a property outright and so use a mortgage to help them buy a home.

A mortgage is a loan secured against a property. Having a mortgage means that you borrow the money to buy your home and you repay this over an agreed period of time, depending on what you can afford.

It's important you choose a repayment schedule that suits your circumstances as your home may be repossessed if you do not keep up repayments on your mortgage.

Do I need to be employed to apply for a mortgage?

You’ll need to be employed or self-employed qualify for a mortgage. This will help to ensure you can manage your mortgage repayments in the future.

How do I know if I'm earning enough for a mortgage?

Getting an Agreement in Principle can help you to work out if you can afford the mortgage you need by looking at your household expenditure and any additional financial commitments such as loans, overdrafts, credit and store cards, hire purchase agreements and maintenance payments.

Can I get a mortgage offer before I find my property?

An Agreement in Principle tells you whether you could potentially borrow the amount you need.

Important information

Please note, an Agreement in Principle is not an offer of a loan
Requesting an Agreement in Principle does not mean that you are committing to apply for a mortgage
Lending criteria, terms and conditions apply
It is unlikely that NatWest will be able to lend to you if you have ever been declared bankrupt, have had county court judgements against you, your property seized, defaulted on your mortgage, or had to organise a repayment plan with your creditors

What other costs may I have when taking out a mortgage?

It's important you add up all the costs involved in a mortgage, not just the interest rate. You may need to budget for a valuation fee, search fees, land registry fees and legal costs, as well as stamp duty.

You would probably be expected to take out buildings insurance to cover damage or rebuilding costs, if needed, and you may also decide to take out contents insurance, sickness and unemployment cover and life insurance.

Find out more about stamp duty

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

Do I always need to take out a life cover with a mortgage?

When you take out a mortgage, your lender needs to be sure that you'll be able to pay it back, even if you lose your job, become unwell for a long period or die.

Because of this, lenders may request you buy life cover when you take out your mortgage.

Can the product fee be added to my mortgage?

In many cases, the fee can be added to your mortgage.

NatWest also have a range of mortgages with no product fees.

When will I know if my mortgage application has been successful?

When NatWest have received all the required documentation and are happy with the valuation report, you'll receive a decision on your application.

If your application is approved, you'll be sent the mortgage offer documents to read through and sign and a copy will also sent to your solicitor.

What happens after my mortgage is approved?

Your solicitor will carry out various legal checks on the property to make sure they’re happy. If there are no concerns, they’ll contact NatWest to confirm the start date of the mortgage and when they’ll need the funds to be released. The funds will then be sent to the solicitor who will complete the transaction.

How do I know if the property I'm buying is worth the money?

Before you're issued with a written mortgage offer, a valuation of the property will take place which will take into consideration the general condition of the property, look for any major faults in accessible parts of the building that may affect the value or indeed or any urgent problems that need inspecting by a specialist before you sign a contract.

Planning ahead for your mortgage is easy too

You can check your credit score in the Ulster Bank 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.

Got an Ulster Bank mortgage?

If you're thinking of moving home, buying a second home, buying or re-mortgaging a buy-to-let property, then find out about NatWest mortgages.

Moving home and want to take your existing mortgage deal with you? This is known as 'porting' and one of our Mortgage team will be happy discuss whether this is an option for you, along with any others. They can be contacted on the number provided below.

Alternatively, if you're looking for help and support regarding your current mortgage then visit Manage your mortgage.

Phone: 0345 300 6086

Relay UK: 18001 0345 300 6086

Opening hours:
Mon-Fri 9am-5pm
Sat-Sun Closed
Excluding bank holidays

Support for mortgage customers with the rising cost of living

If you're remortgaging to help ease the rising cost of living, your current mortgage provider could provide you with additional support without impacting your credit score.

We're committed to helping our customers through this difficult time and we're pleased to be part of the Mortgage Charter support to help ease financial pressure on mortgage customers.

Find out how Ulster Bank is supporting mortgage customers Open in new window