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Momentum Mortgage A First for First Time Buyers… Want to buy your first home but haven't got a deposit? Well here's some great news: you don't need one! New from Ulster Bank, a Momentum Mortgage makes it easier to get onto the property ladder. * Up to 95% mortgages are available * 5% deposit paid by the developer - and you'll only pay this back if your home's value grows by 5% or more after five years * Protection against house price falls - we'll reduce your mortgage by up to 10% of the original property value