Tracker Home Loan Mortgage

The variable interest rate you will pay on this mortgage tracks a margin above the Danske Bank Reference Rate (UK) for the full term of the loan.

Tracker Home Loan is currently only available to customers in Northern Ireland.

The information on this webpage is for customers buying a home or already living in Northern Ireland. If you are buying a home or already living in England, find out how we could help you

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Why choose us?

  • Get up to £1,500 cashback on mortgages of £75,000 or more or, if you are a homebuyer or you are switching to us and your home has an EPC or PEA rating of A-C, you might be eligible for Danske Carbon Neutral Mortgage
  • Thinking of moving your mortgage to Danske? We could give you a helping hand with our remortgage offer
  • Repay your mortgage over terms up to 35 years
  • You can make lump sum or overpayments at any time without incurring a charge
  • No Early Repayment Charge if you choose to move home or repay your mortgage early
  • Borrow up to 95% of the property value

Things you need to know

  • Cashback and remortgage offers may be amended or withdrawn at any time. Cashback is not available on our fee-paying mortgages for first time buyers and homemovers. Remortgagors with a mortgage of £150,000 or more can choose a cashback offer.
  • Whether we provide credit depends on your circumstances, and you must be 18 or over - lending terms and conditions apply
  • Your home is security for your mortgage, and you may also need to provide other security
  • Your mortgage repayments may go up as well as down
  • Not a portable mortgage so if you move home this mortgage will not move with you

Your home may be repossessed if you do not keep up repayments on your mortgage

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0800 389 0833
  • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
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    0800 389 0833
    • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
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Other important information

  • The bank only provides mortgages in sterling but will consider Base Rate Tracker applications where the applicant's income is in another currency. Fluctuations in the exchange rate may affect your affordability. More information is provided in our glossary.

Terms and conditions

  • You may have to pay for an independent professional valuation unless you are an existing Danske Bank customer switching mortgages. We will arrange this for you.
  • You may have to pay other fees such as legal charges, which are not paid through us.
  • You must have buildings insurance in place on your property. You do not have to arrange this through us.
  • For full details on charges please see our Tariff of Mortgage Charges.
  • For further conditions please see our Home Loan General Offer Conditions.

Danske Carbon Neutral Mortgage

If you are a homebuyer or switcher and your home has an EPC or PEA rating of A-C, you could be eligible for Danske Carbon Neutral Mortgage

Find out more

Mortgage offers

Buying your first home, upsizing or downsizing, or looking to switch your mortgage provider for a better deal?

Check out our range of mortgage offers.

Find out more