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Energy Efficient Home Mortgages

If your home has an energy efficiency rating of A-C we could save you money on your mortgage

  • Available to first time buyers, home movers and remortgages for properties in Northern Ireland
Get started

You'll find your home's rating on its Energy Performance Certificate (EPC).
You may be able to find it on the Government's Find an energy certificate External icon blue.

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

Financial calendar icon

Local team of expert mortgage consultants

Available in branches or by phone.

approved overdraft icon

Long repayment terms

Repay your mortgage over terms of up to 40 years.

Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

Deal handshake icon

Local team of expert mortgage consultants

Available in branches or by phone.

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

Financial calendar icon

Long repayment terms

Repay your mortgage over terms of up to 40 years.

approved overdraft icon

You can make overpayments

Our mortgages include options for overpayments and lumps sums.

View overpayments
Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

Deal handshake icon

Local team of expert mortgage consultants

Available in branches or by phone.

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

Financial calendar icon

Long repayment terms

Repay your mortgage over terms of up to 40 years.

approved overdraft icon

You can make overpayments

Our mortgages include options for overpayments and lumps sums.

View overpayments
Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

Deal handshake icon

Local team of expert mortgage consultants

Available in branches or by phone.

How to apply

Let’s get you on your mortgage journey in four simple steps.

  1. Calculator icon

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  2. Share gross spend pie chart icon

    Find out what your repayments could be

    Use our repayment calculator to find out how much your mortgage may cost monthly. This helps you see what you could afford.

    Calculate repayments
  3. Account Statement icon

    Get your Decision in Principle (DiP)

    A DiP takes about 10 minutes and lets you see if you're eligible to borrow what you need. It won't affect your credit score and can show sellers you're ready to buy. Now you’re ready to apply!

    Start your DiP
  4. Dedicated adviser icon

    Submit your application and speak with a Mortgage Adviser

    Already got your DiP? Schedule a phone meeting with one of our Mortgage Advisers to receive personalised mortgage recommendations.

    Continue application
  • Calculator icon
    1

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  • Share gross spend pie chart icon
    2

    Find out what your repayments could be

    Use our repayment calculator to find out how much your mortgage may cost monthly. This helps you see what you could afford.

    Calculate repayments
  • Account Statement icon
    3

    Get your Decision in Principle (DiP)

    A DiP takes about 10 minutes and let’s you see if you're eligible to borrow what you need. It won't affect your credit score and can show sellers you're ready to buy. Now you’re ready to apply!

    Start your DiP
  • Dedicated adviser icon
    4

    Submit your application and speak with a Mortgage Adviser

    Already got your DiP? Schedule a phone meeting with one of our Mortgage Advisers to receive personalised mortgage recommendations.

    Continue application
Customer support at Killeaton

Not sure what to do next and need a chat first? Don’t worry our local team are here to help

Call us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

0800 389 0833

0800 389 0833

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Chat to us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

Start chat

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

Whether we provide credit depends on your circumstances, and you must be 18 or over.

Applications are subject to status and lending criteria. Your home is security for your mortgage, other security may be requested.

We offer mortgages for properties in Northern Ireland. If your home is in England, get in contact with your local Mortgage Advice Bureau External icon blue broker to find out how much you could borrow.

What is an energy efficient home?

A home that uses less energy and lowers greenhouse gas emissions, and is better for the environment as a result.

The benefits of an energy efficient home:

  • Lower energy bills by using less electricity and gas
  • More comfort, with insulation, efficient windows and better heating systems
  • Reduced greenhouse gas emissions supporting a more sustainable lifestyle

Why choose a Danske Bank Energy Efficient Home Mortgage?

Interest rates and product options.

  • Access to exclusive interest rates available only on energy efficient homes.
  • Fixed Rate and Tracker Home Loan options are available.
  • You can make overpayments on both our Fixed Rate and Tracker Home Loans.
  • We offer Fixed Rate mortgages through Co-Ownership in Northern Ireland.
  • Homeowners personal loan for existing mortgage customers living in Northern Ireland.

We can lend more for energy efficient homes.

  • We consider the lower running costs of the property when assessing your affordability, meaning we can lend you more when the property has an EPC rating of A-C.
  • You can repay your mortgage over terms up to 40 years.

Your EPC must be valid for at least another year at the date of your application. If your EPC expires in less than one year or your property doesn’t have an EPC certificate you will need to get a new one before applying for an Energy Efficient Home Mortgage.

We also have other deals if your home doesn’t meet the criteria. Find out more by using our repayment calculator.

Do you want to borrow more to improve the energy efficiency of your home?

If you are an existing Danske Bank mortgage customer living in Northern Ireland we have a range of options available for you.

Find out more here

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How energy efficient is your home?

The Energy Saving Trust Tool is a quick way to find out how energy efficient your home is and how making a few changes could save you money and reduce your emissions.

Energy Savings Trust Tool

FAQs

How else can we help?

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Save with us

Whether you're saving for a rainy day or exciting future plans, our range of savings accounts can help you reach your goals.

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Personal Current Accounts

Bank your way - online, in-branch or by phone. We have a range of award-winning current accounts for ages 11+.

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