Mortgages
Whether you're a first-time buyer, wanting to make a home move, or just need a better mortgage deal, we're here to help.
- We approve 9 out of 10 mortgages*
- A local team ready to support you
* Approvals based on completed applications assessed between January to December 2024.
Find the right mortgage for you
First-time buyer
Borrow up to 95% of the property value on your first home. Includes Co‑Ownership options.
View first-time buyer
Remortgager
Fixed-rate and tracker mortgages, up to 90% of property value. Remortgage offer includes: free standard legal fees, free valuation up to £600 and no product fees.
View remortgager
Home mover
Move to your next home with up to 95% borrowing on the property value.
View home mover
Buy-to-let
Borrow up to 75% of property value on terms of up to 25 years.
View buy-to-let
Self build
Staged, interest only funding, to help you build your dream home.
View self build
Existing customer
Already have a Danske Mortgage? We could find you a better deal.
View existing customerFind the right mortgage for you
First-time buyer
Borrow up to 95% of the property value on your first home. Includes Co‑Ownership options.
View first-time buyer
Remortgager
Fixed-rate and tracker mortgages, up to 90% of property value. Remortgage offer includes: free standard legal fees, free valuation up to £600 and no product fees.
View remortgager
Home mover
Move to your next home with up to 95% borrowing on the property value.
View home mover
Buy-to-let
Borrow up to 75% of property value on terms of up to 25 years.
View buy-to-let
Self build
Staged, interest only funding, to help you build your dream home.
View self build
Existing customer
Already have a Danske Mortgage? We could find you a better deal.
View existing customerHow to apply
Get started by finding out how much you could borrow or seeing how much your monthly repayments might be. If you’re ready, you can also apply for a Decision in Principle (DiP).
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1Find out how much you could borrow
Start with our borrowing calculator to find out how much you might be able to borrow.
Calculate borrowing -
2Find out what your repayments could be
Use our repayment calculator to find out how much your mortgage may cost monthly. This helps you see what you could afford.
Calculate repayments -
3Get your Decision in Principle (DiP)
A DiP takes about 10 minutes and lets you see if you're eligible to borrow what you need. It won't affect your credit score and can show sellers you're ready to buy. Now you’re ready to apply!
Start your DiP -
4Submit your application and speak with a Mortgage Adviser
Already got your DiP? Schedule a phone meeting with one of our Mortgage Advisers to receive personalised mortgage recommendations.
Continue application
Not sure what to do next and need a chat first? Don’t worry our local team are here to help
Hear what our customers have to say
“
As a first-time buyer, I really appreciated a local, accessible adviser - clear information, quick answers and real peace of mind”
Poppy, Co. Down
First time buyer
“
Danske's advisers are so helpful - and local! It made such a difference when I was working through my options. I wouldn't have been able to do it without them”
Kristan, Co. Antrim
Danske Mortgage customer
“
A self-build project is both exciting and daunting. Knowing I had the flexibility in drawdowns and repayment made such a difference”
Ryan, Co. Armagh
Self build customer
Your home may be repossessed if you do not keep up repayments on your mortgage.
Whether we provide credit depends on your circumstances, and you must be 18 or over.
Applications are subject to status and lending criteria. Your home is security for your mortgage, other security may be requested.
We offer mortgages for properties in Northern Ireland. If your home is in England, get in contact with your local Mortgage Advice Bureau 
broker to find out how much you could borrow.
Help with your mortgage
We can help whether you have an application in progress, are coming to the end of your current deal, planning your next move, or looking to borrow more.
Switch to a new deal
Review your current deal, reduce your mortgage term, or reconsider your monthly payments.
Switch to a new deal
Move home with your mortgage
We can help you move your existing mortgage to your new home.
Moving home
Increase your borrowing
You could be looking to release equity, borrow for improvements or to fund a major purchase.
Borrow more
All mortgage options
View all the ways we can help you with your mortgage.
Help with your mortgage
Get support with your mortgage repayments
In the current economic environment, we understand some mortgage customers may require support with their mortgage repayments. We have a number of options available for you to consider.
View your support options
