Fixed Rate Mortgages

Fixed Rate Mortgages

​​Keep your mortgage repayments fixed for an agreed term.​​


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  • Choose from a range of fixed mortgage​​ terms
  • Easier to plan repayments during term
  • Available to new & existing customers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Fixed Rate Mortgage Details

Whether you are purchasing a home, looking to remortgage or simply wanting to borrow some extra money - with a fixed rate mortgage, you will know exactly how much your monthly mortgage repayments will be.

With a fixed rate mortgage the interest rate is fixed, meaning your fixed mortgage repayments stay the same for an agreed term.

Choose from our range of Fixed Rate terms of 2, 3 or 5 years.

Our Fixed Rate Mortgage is a portable mortgage and there are preferential rates for customers with a lower loan to value.​

Choose any repayment term up to 30 years.

Mortgage calculatorCalculate my mortgage repayments

Get help with costs - we offer a cashback incentive PDF for First Time Buyers, Home Movers, and new to bank Switchers.

Please refer to the Representative Example, Fixed Mortgages Rates and Conditions​ below for more important information.​​​​​​​​​​​​​​​

An product fee may apply.

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Representative Example

Total amount borrowed £117,000
Mortgage Term​ 24 years
Fixed Rate period 2 years
Fixed Rate of interest 2.48%
Fixed Rate monthly repayment amount £539.24
Fixed Rate number of monthly repayments 25
Fixed Rate frequency of repayments Monthly
Variable Rate period 22 years
Variable Rate of interest (after Fixed Rate period) 4.75%
Variable Rate monthly repayment amount £668.24
Variable Rate number of monthly repayments 263
Variable Rate frequency of repayments Monthly
Total Amount payable £189,227.16
Product Fee £0
The overall cost for comparison 4.4% APRC

The actual rate will depend on your circumstances, please ask for a personalised illustration.

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Fixed Mortgage Rates

Rates correct as at 20th February 2017.

If you repay the loan in full or in part, or ask to switch to another product during a Fixed Rate period you will have to pay an Early Repayment Charge. Please ask us for an illustration that will set out the Early Repayment Charge which apply.

Our Fixed Rate mortgages are portable. When you reach the end of your Fixed Rate period, you will automatically move to our Standard Variable Rate. You will receive notification of this prior to the end of your fixed rate period. At this time you should contact us to discuss your needs.

Just click on the relevant Loan To Value tier to view applicable current rates.

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Up to 60% Loan To Value

61% to 70% Loan To Value

71% to 75% Loan To Value

76% to 80% Loan To Value

81% to 85% Loan To Value

86% to 90% Loan To Value

91% to 95% Loan to Value​

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. View all mortgage rates.

Conditions​

  • An independent professional valuation will be required for purchases, remortgages, and Co-Ownership applications with loan to values of 75% and over. If you are an existing Danske Bank mortgage customer switching products, you will not require a professional valuation. These fees/costs are charged by the surveyor directly to you and vary from application to application. For full details on charges please see our Tariff of Mortgage Charges.
  • Whether we provide credit depends on your circumstances, and you must be 18 or over. Lending terms and conditions apply.
  • Your home is security for your mortgage. You may need to provide other security.
  • Choose from fortnightly or monthly payments.
  • A Danske Bank personal current account will be required to service the mortgage.
  • Maximum Loan to Value 95% (based on the lower of the purchase price or valuation).
  • Minimum loan amount £30,000 (reduced to £10,000 for our existing mortgage customers).
  • Repayment terms of up to 30 years. You will be required to provide us with evidence of affordability in retirement if the mortgage term takes you beyond normal retirement age.
  • Preferential rates for customers with a lower loan to value.
  • The bank only provides mortgages in sterling but will consider applications for mortgages where the applicant's income is in one of the following currencies: DKK - Danish Krone, EUR - Euro or USD - US Dollar. Fluctuations in the exchange rate will affect your mortgage repayments if your income is in a currency other than sterling. More information is provided in our glossary.
  • A portable mortgage.
  • If you repay part or all of your loan within the fixed rate period, there will be an early repayment charge.
  • When you reach the end of your fixed rate period you will automatically move onto our Standard Variable Rate mortgage. You will receive notification of this prior to the end of your fixed rate period. At this time you should contact us to review your mortgage needs.
  • If you have a mortgage, you must have adequate buildings insurance in place. You do not have to arrange this through us.
  • No higher lending charges apply, but other fees and charges such as legal fees may apply which are not charged by us or paid through us.
  • Available to both new & existing customers.
  • Get help with costs - find out more about our Cashback Incentive Scheme for First Time Buyers and Switchers.
  • Available with the Northern Ireland Co-Ownership scheme link to external site (subject to written confirmation from Northern Ireland Co-Ownership that the applicant has been approved to participate in the scheme).

More information

When you take out a mortgage you are borrowing against the value of your home. When you come to sell your home you will need to use the sale's proceeds to repay your outstanding mortgage balance. Be aware that if the value of your home falls below the balance of your mortgage, then you will have to pay us the difference if you want to sell your home. Other security may be required.​​​​​​​​​​​​​​​​

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​YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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