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What to expect in your mortgage meeting

The information on this webpage applies to customers in Northern Ireland only. If you are buying a home in England, get in contact with your local Mortgage Advice Bureau External link icon Broker to get information on our current rates. Our remortgage offer is currently only available to customers in Northern Ireland.

We're looking forward to meeting you. The mortgage process can seem daunting, but we’re here to help.

Your mortgage meeting is your chance to:

  • discuss buying a new home or repackaging an existing mortgage;
  • ask our experts for advice on the most suitable mortgage for you; and
  • ask any questions about the home-buying or mortgage processes.

A few things you may like to know

Ahead of your meeting...

  • What will happen at my 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.

  • How long will my meeting last?

    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.

  • Where will my meeting take place?

    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.

  • If I can't make my meeting, how do I cancel it?

    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.

Ahead of your meeting...

We need some things from you

So we can give you the best advice and make sure your mortgage application runs smoothly, please provide us with one document from each category

Proof of identity*

  • Valid Passport
  • Valid Full UK/ROI Driving Licence
  • EEA Member State Identity Card
  • Current Electoral Identity Card for Northern Ireland
  • Blue Parking Card for people with disabilities
  • Translink Senior Smart Pass
  • DRD Half Fare Smart Pass

Proof of address*

  • Recent Utility Bill (e.g. water, gas, electricity, telephone)
  • Recent Land and Property Services Bill/Notice
  • Valid Full UK Driving Licence
  • EEA Member State Identity Card
  • Recent Evidence of Entitlement to Benefit (e.g. Social Security Agency, Child Tax Credit, Housing Executive benefits)
  • Recent Evidence of Entitlement to State Pension
  • Recent Bank Statement (e.g. bank, building society, credit union statement)
  • Current Household/ Motor [RC3] Insurance Certificate
  • Recent Inland Revenue Tax Notification
  • Vehicle Registration Document
  • Current TV Licence

*You won't be able to use the same document to verify your identity and your address, so you'll need to provide separate documents.

What you need to provide to us ahead of your mortgage meeting...

Proof of earnings

Provide to us the documents listed below for the category which fits you best.

If you’re self-employed

  • 2 years (most recent tax year end) Tax Calculation/SA302.
  • 2 years (most recent tax year end) Tax Year Overviews.
  • 3 months most recent core personal bank statements (if your core personal bank account is not with us).

If you’re employed by someone else

If your salary is paid into a Danske Bank current account

  • Your payslip(s) from the last four weeks/one month

If your salary is paid into a non-Danske Bank current account

  • Your payslip(s) from the last four weeks/one month
  • Your bank statements from the last three months

If you’ve been employed for less than one year in your current position

  • Your payslip(s) from the last four weeks/one month
  • Your bank statements from the last three months
  • Evidence of permanent employment – e.g. a confirmation letter or copy of your contract

If your salary is paid by in cash or by cheque

  • Your payslip(s) from the last three months
  • Your bank statements from the last three months
  • Your most recent P60
  • Evidence of permanent employment, like a confirmation letter or copy of your contract

If you’re applying for one of our Energy Efficient Home Mortgages

  • We will need your Energy Performance Certificate (EPC) or Predicted Energy Assessment (PEA) before we can proceed to application.
  • If your EPC is available on the Government website External link icon, we will download it, but if you need to source it yourself, you should provide the EPC before ahead of your mortgage meeting.
  • Your PEA should be sourced from your builder

If you're applying for a self build home loan here’s what you need to provide to us ahead of your meeting

  • Copy of FULL planning permission
  • Copy of fixed price contract

OR

  • Letter from surveyor/architect detailing realistic costings for complete build, clearly annotated and including:
    • all connection charges (for example water/electricity)
    • VAT
    • 10% contingency fund
  • Copy of approved dwelling house plans and site location maps

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Ask us more or book an appointment

Talk to us about a mortgage…

0800 389 0833
  • Main phone opening hoursLines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.
  • Call us

    Talk to us about a mortgage…

    0800 389 0833
    • Main phone opening hoursLines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.
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