First Trust Bank is one of Northern Ireland’s major banks. It offers a wide range of fixed-rate and variable-rate mortgage products.

There are many deals that may appeal to first-time buyers.

Some mortgages are available with a 95% loan-to-value ratio if you’re a first-time buyer. Other deals offer a cashback up to £1,000. What’s more, there are no application fees, booking fees or valuation fees associated with first-time buyer mortgages. You may have to pay a funds transfer fee or a mortgage exit fee in some instances.