Tracker mortgage issue: A word of caution for Ulsterbank customers with UFirst, UFirstGold, UFirstPrivate accounts. I received a letter from UB yesterday detailing a range of benefits that are being removed from the UFirst account holders. Reductions in ticket purchases, travel insurance, etc are being removed. The letter goes on to detail the cost of holding such an account - €10 per month- some might be tempted to close the UFirst Account. Cross reference this with my loan agreement from 2004, which states that the tracker rate will only last as long as I have my Ulsterbank UFirst Current account. Please be cautious not to tinker with your UL current account or remove the 'UFirst' contributions, without checking the implications for your tracker rate, should you have one.