First time buyer

We know it’s more than a mortgage.

New mortgage products available to Northern Ireland Customers only.



Fixed rate:

Ideal if you want budgeting certainty. Fixed rate mortgages provide security from higher interest rate rises by fixing your monthly repayment for a set length of time. The amount you pay will stay the same throughout the length of the deal. This means if rates rise or fall during this period, the amount you pay will stay the same.


Variable rate:

Our variable rate mortgage is linked to our Standard Variable Rate (SVR) for the entire mortgage term. This means should our SVR rise or fall, so will your monthly repayment. You’ll need to make sure you have enough money to cover any increase in your payment.


Our SVR can change at any time but normally follows the Bank of Ireland UK Base Rate, meaning if this rate changes so will our SVR. We’ll write to you about any increase before we take the new payment.