What to expect in your mortgage meeting

Normally there are three stages to your mortgage meeting:

1. Update personal information and discuss your budget including income, outgoings, assets, liabilities.

• If you're an existing customer we’ll confirm that the information we have for you is up to date. If you’re new to Danske Bank we’ll review your documents and complete some checks in line with regulations.
• We will ask you about your existing credit commitments, including credit cards, personal loans, store cards, or other mortgages, and look at your current household spending to build up a picture of your disposable income. This will help us assess what mortgage options will be the most suitable for you.

2. Mortgage advice and recommendation

• Based on the personal and financial information you have provided, including how much you would like to borrow and how best you can structure your repayments, we will chat through what type of mortgage best meets your needs.
• We’ll then provide an overview of suitable mortgages and repayment terms. Our advisers will explain everything in detail and ensure you are comfortable.

3. Discuss Mortgage Protection and the next steps

• We will discuss the importance of having protection in place and explain what happens at each stage of the application process.

Once you’ve asked questions you may have and are comfortable with the mortgage we have recommended, we will process your application. This will involve us running a credit check with our partners Experian to ensure that the chosen mortgage is right for you.

An average mortgage meeting lasts between 75 and 90 minutes, but we are happy to spend as much time with you as you need. It is important that you feel comfortable and reassured about what we know can seem like a daunting process.

If your meeting is in a Danske Bank branch

You can find the location of the branch by using our branch locator.

If you are having a meeting by phone or online

Our adviser will phone you at your agreed meeting time. Make yourself comfortable and ensure, if possible, that you're somewhere with good phone signal and where you're free to speak openly.

If the call is disconnected, stay close to your phone as our adviser will ring you back.

We will be happy to reschedule. Call us on 0800 389 0833 between 8am to 8pm Monday to Friday and 9am to 4.30pm on Saturdays and Sundays, except for bank holidays or other holidays in Northern Ireland when the bank is not open for business.

Call charges may vary. Please contact your phone company for details. We may record or monitor calls to confirm details of our conversations, and for training and quality purposes.