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Custom Large Loan

A bespoke mortgage service for those with more complex needs requiring a larger loan

Custom Large Loans are available for loans of above £750k on homes with a valid Energy Performance Certificate (EPC) rating of A-E.

Our dedicated team are experienced in dealing with complex and unusual cases. They will be your point of contact throughout the mortgage journey and you will benefit from a customised approach to case assessment.

Your home may be repossessed if you do not keep up repayments on your mortgage

High level product criteria:

Residential mortgage customers only.
Up to 85% LTV.
A valid Energy Performance Certificate (EPC) rating of A-E
Minimum household income of £150,000 (we will also consider foreign currency loan applications where the income consists of USD, Euros or DKK).
We will consider interest only for a term that matches your initial fixed rate period for cases up to 80% LTV.

Pricing and Criteria

Purchase Rates have an arrangement fee of £1999

2 year Fixed Rates:

Max LTV %	Rate
60%	4.38%
70%	4.49%
75%	4.49%
80%	4.55%
85%	4.75%
90%	n/a
95%	n/a

Fixed rate end date 02/10/2028

5 year Fixed Rates:

Max LTV %	Rate
60%	4.39%
70%	4.47%
75%	4.47%
80%	4.61%
85%	4.61%
90%	n/a
95%	n/a

Fixed rate end date 01/10/2031

Remortgage Rates have an arrangement fee of £1999

2 year Fixed Rates:

Max LTV %	Rate
60%	4.44%
70%	4.75%
75%	4.81%
80%	5.01%
85%	5.15%
90%	n/a
95%	n/a

Fixed rate end date 02/10/2028

5 year Fixed Rates:

Max LTV %	Rate
60%	4.54%
70%	4.83%
75%	4.83%
80%	4.97%
85%	5.03%
90%	n/a
95%	n/a

Fixed rate end date 01/10/2031

Criteria	Details
Property	Only properties with EPC rating A-E Property must be located in East of England, South West, South East including London, East Midlands or West Midlands.
Product set	Custom Large Loan (EPC A-E) 2 Year Fixed Rate 5 Year Fixed Rate
Buyer type	First Time Buyer Home Mover Remortgage
Max mortgage term	40 years
Low start	Interest only payments for initial 2 or 5 years based on initial fixed rate term
Max LTV Capital & Interest	Up to 85% £750k - £2.5 million Up to 75% £2.5 million - £4 million Up to 70% £4 million - £6 million
Max LTV Low start	Up to 80% £750k - £2 million Up to 75% £2 million - £4 million Up to 70% £4 million - £6 million
Max LTI	5.5x application income
Min Loan size	£750k
Max Loan size	£6 million

Lending Criteria is detailed on our Criteria page.

To find out more about our Custom Large Loan product or to discuss a case contact our dedicated team:

Paul Toner
paul.toner@danskebank.co.uk
07540 333526

Wendy Murphy
wendy.murphy@danskebank.co.uk
07484 097039

Richard Anderson
rican@danskebank.co.uk
07815 625790

Alternatively contact our broker support line on:

0345 6070213

Step 1 – Decision in Principle (DIP)

Complete the DIP form below.
Our underwriters will assess your case.
Once assessed, we will email you a DIP Letter and request any supporting information/documentation we require to progress the case.

Decision in Principle

Step 2 – Full Mortgage Application (FMA)

Complete the Custom Large Loan FMA form below
You will be asked to select a solicitor from the Danske Bank LMS panel.
Upon receipt of the fully packaged case we will instruct the valuation.
Our underwriting team will then review the case and carry out a full credit search.
Once the case has been approved we will issue you an offer and instruct your chosen solicitor.
Your offer will be sent digitally unless you specify at the outset that you would prefer to receive paper copies.

Custom Large Loan application form

Important information about the Custom Large Loan Mortgage

This mortgage is for residential properties only
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, and you may also need to provide other security
The EPC must be valid for at least another year at the date of your mortgage application.

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