Variable Rate Mortgage

With a variable rate mortgage interest rates can change.

This means that your mortgage repayments can increase or decrease.

Whether we grant you any of our credit facilities depends on your age and circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact us

General mortgage enquiries

Available to both new and existing customers
Minimum loan amount £10,000 (no minimum for our existing mortgage customers)
No restrictions on making overpayments or lump sum payments and as interest is calculated daily, this means you get the benefit straight away. There are no early repayment charges
Discounted residential mortgage arrangement fee for Northern Prestige, Choice Plus or Freedom customers. Conditions apply
Choose any repayment term up to 30 years or until you reach normal retirement age (whichever is sooner)
Capital & Interest, Low Start and Interest Only repayments options available
No higher lending charge
Get help with costs - find out more about our first time buyer and switcher incentive schemes.

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Important information for download Fees & service charges explained Interest rates	View our Mortgage Interest Rates View our current residential mortgage rates

Northern Bank Limited, Donegall Square West, Belfast BT1 6JS. Registered in Northern Ireland R568. Phone +44 (0) 28 9004 5000. Calls may be recorded. Northern Bank Limited is authorised and regulated by the Financial Services Authority. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority. Northern Bank Limited is entered in the Financial Services Authority's register, registration number 122261. VAT number GB853 7590 92. Northern Bank Limited subscribes to the Lending Code.

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