Managing Repayments: We're here to support you

If you’ve had a change in circumstances and need support with your existing Danske Bank mortgage, we may have support options available to make things easier, like:

• Reducing your payments for an agreed period of time.
• Pausing repayments for a short period of time. Because this is the most expensive option for you, we’ll only offer this if it’s appropriate.
• Looking to see if we could change your existing Danske mortgage product or term.

Our specially trained advisers can discuss which options are available to you and any impact it may have on your credit file.

Mortgage Charter: Danske Bank is committed to the UK Government's  Mortgage Charter. If you're worried about mortgage repayments, learn more about applying online.

Typically used for unexpected expenses, overdrafts aren't meant for daily costs and can be an expensive way to borrow money. It is a form of short-term borrowing, and we can ask you to repay it in full at any time.

If you’re consistently paying interest on your overdraft, or are using it for regular bills and payments, some of the options to repay the overdraft and reduce interest costs could include:

• Combining debts into one manageable payment
• Creating a repayment plan to repay your overdraft in a structured way
• Reviewing our range of current accounts to see if one might suit you better.

If you regularly use your overdraft, fees can add up, making it harder to repay. You may want to see our Cost Calculator to understand how much you’re paying to use your overdraft.

Overdraft – Repeat Use

Overdraft Repeat Use is the term we use for regular use of and repeated reliance on an overdraft. Using an overdraft like this is an expensive way to borrow money.

We’ll send you a letter to let you know if you’re using your overdraft repeatedly, showing ways you could reduce the cost to you. We’ll ask you to contact us so we can support you and understand your current circumstances. We might try to contact you by phone.

Our specially trained advisers can discuss which options are available to you and any impact on your credit file.

If you’re worried about meeting your personal loan repayments, we may have support options available to make things easier.

Options available include:

• Combining debts into one manageable payment
• Repaying any arrears in a structured plan
• Pausing repayments for a short period of time. Because this is the most expensive option for you, we’ll only offer this if it’s appropriate.

Our specially trained advisers can discuss which options are available to you and any impact on your credit file.

Each month you must make at least the minimum repayment towards what you owe on your card. If you’re worried about not being able to do this, please contact us as soon as you can.

Missed payments will impact your credit score, but speaking to us will not.

Only making the minimum repayment will cost you more in interest and take you longer to pay back.

If you’re paying more in interest, fees and charges on your credit card than the amount you have paid towards what you have borrowed for at least 18 months, this is referred to as being in persistent debt.

If you would like help to reduce your credit card debt, we can help with:

• Merging your existing Danske debts into one affordable monthly payment.
• Agreeing a repayment plan, based on your individual circumstances.  

Request a call back or you can get in touch by secure mail in our Mobile Banking app for more personalised support. We're here to help you through these challenges, and your discussions with us are confidential.