Mortgage Rates
Northern Ireland
Compare typical mortgage rates in Northern Ireland and see what affects the rate you'll actually get. With access to a wide range of lenders, we search for the deal that fits your circumstances.
Fixed Rate Mortgages
Residential rates by LTV
| Term | 90% LTV | 85% LTV | 75% LTV | 60% LTV |
|---|---|---|---|---|
| 2-Year Fixed | 4.8% - 5.4% | 4.5% - 5.1% | 4.3% - 4.9% | 4.2% - 4.7% |
| 5-Year Fixed | 4.7% - 5.3% | 4.5% - 5.0% | 4.4% - 4.9% | 4.3% - 4.7% |
| 10-Year Fixed | 5.4% - 6.0% | 5.2% - 5.7% | 5.0% - 5.5% | 4.9% - 5.3% |
Variable Rate Mortgages
Tracker and discounted rates
| Type | 90% LTV | 75% LTV |
|---|---|---|
| Tracker (Base +) | Base + 0.8% - 1.2% | Base + 0.3% - 0.7% |
| Discounted Variable | 4.5% - 5.3% | 4.1% - 4.9% |
Buy-to-Let Rates
Investment property mortgages
| Term | 75% LTV | 65% LTV |
|---|---|---|
| 2-Year Fixed | 4.8% - 5.6% | 4.5% - 5.2% |
| 5-Year Fixed | 4.9% - 5.7% | 4.6% - 5.3% |
Please note: Rates shown are indicative examples at the time of publishing. Your actual rate will depend on your individual circumstances including credit history, income, and property details. Contact us for a personalised quote.
Get Your Personalised Rate
These are indicative rates. Contact us to find out exactly what rate you could achieve.
Get a Quote Call 028 90 029 029
Jordan Willis
Mortgage & Protection Advisor
Nadine O'Neill
Case Manager
"We'll help you navigate the rates and find the best deal for your circumstances. Get in touch for a no-obligation consultation."
Why Rates Vary
- 1Deposit size affects LTV and risk
- 2Credit history impacts lender choice
- 3Employment type (PAYE vs self-employed)
- 4Property type can restrict options
Mortgage Services
Rates by Deposit Size
Your deposit size significantly impacts the rate you'll be offered
5% Deposit
95% LTV
Higher rates due to increased lender risk. Fewer options but ideal for first-time buyers wanting to get on the ladder quickly.
10% Deposit
90% LTV
Sweet spot for many first-time buyers. Good rate improvement with wide lender choice and achievable savings target.
25% Deposit
75% LTV or lower
Best rates available with maximum lender choice. Typical for remortgagers and buy-to-let investors.
Fixed vs Variable: Which Is Right?
Understanding the difference helps you make the right choice
2-Year Fixed
Lock in for 2 years with predictable payments.
- Lower rates than 5-year
- Flexibility to remortgage sooner
5-Year Fixed
Security for 5 years with no rate changes.
- Long-term rate protection
- Avoid fees for 5 years
Tracker
Rate tracks the Bank of England base rate.
- Benefit if rates fall
- Often no ERCs
SVR - Avoid!
Average: 7.5% - 8.5%
Don't let your mortgage roll onto SVR. Contact us 3-6 months before your deal ends.
About These Rates
The rates shown are indicative ranges, not personalised quotes or offers of specific products. The rate you are offered will depend on your deposit, credit history, income and the property itself. As a broker we work from a comprehensive panel which is representative of the whole of the market, so the right deal for you may differ from the figures above.
CGR Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
July 2026 Outlook
Mortgage Advice Where You Live
Rates are only half the picture. Talk to an adviser who knows your local market:
Mortgage Rate FAQs
Find Out What Rate You Could Get
Contact us for a personalised quote based on your circumstances. We offer a wide range of products from across the market to find rates you won't find elsewhere.