Home Owner's Personal Loan

Spread the cost of larger purchases with this variable rate loan available only to Danske mortgage customers

Why this loan might be right for you

  • Single or joint applications
  • Borrow between £1,000 and £25,000
  • Repay your loan over 1 to 5 years
  • The interest rate is our Danske Bank Standard Variable Rate (UK) which means your loan repayments may go up as well as down
  • It isn’t secured against your home
  • You can make overpayments as often as you like
  • No early repayment charge
  • We can tell you how much you need to clear your loan early
  • No arrangement fee

Check you’re eligible to apply

You can apply for a Home Owner's Personal Loan if you're an existing Danske mortgage customer, 18 or over and a UK resident.

  • If you’re self employed you’ll need to provide your gross yearly income from your most recent SA302 along with a copy of your Tax Year overview
  • If you apply for a loan, we’ll complete a credit search for all applicants, which will leave a footprint on each credit file.

Your application may be affected if you’ve:

  • had an Individual Voluntary Arrangement (IVA), a County Court Judgement (CCJ) or been declared bankrupt in the last 6 years
  • Defaulted on any balances
  • Missed or made late payments on a credit or store card, loan or finance agreement (including mobile phone bills)

Call us on 0800 660 033
to apply or find out more

Lines are open between 8am - 6pm Monday to Friday and 9am - 1pm Saturdays.

Important information

  • Whether we provide credit depends on your circumstances.
  • Lending terms and conditions apply.
  • This personal loan is not available to buy property or land (not even the deposit); for any speculative purpose (such as investments, stocks and shares, or gambling); for any business purpose; to fund living expenses or for anything illegal.
  • Our Home Owner’s Personal Loan isn’t just for home improvements. It can be used for anything from the holiday of a lifetime to buying a new car.
  • Repayments must be made from a Danske Bank personal current account.

Prices and interest rates

Correct as at 1 September 2023

Amount borrowed Current per annum (%) Current variable APR (%)
£1,000 - £25,000 7.15 7.4

Representative example

7.4% APR Representative. Based on a loan amount of £12,500 over 48 months at an interest rate of 7.15% p.a. (variable). Monthly repayment £300.00. Total amount payable £14,400.00.

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