Wind farm and green fields

Danske Carbon Neutral Mortgage Service

Supporting you in choosing a greener home in Northern Ireland. A better deal for you, and the environment. If your home has an energy efficiency rating of A to C we could save you money on your mortgage.

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

What is a greener home?

A greener home, is a more energy efficient home. This benefits you, as you could save money on your energy bills.

Is my home eligible?

Your home will need to have an energy efficiency rating of A to C. You’ll find a home’s energy efficiency rating on its energy performance certificate (EPC), if it has one.

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

Start your mortgage journey with us

Get started by finding out how much you could borrow or seeing how much your monthly repayments might be. If you’re ready, you can also apply for a Decision in Principle.

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How much could I borrow?

Whether you’re buying your first home, moving home or switching your mortgage to us, find out how much you might be able to borrow. It only takes a few minutes.

Calculate how much you can borrow
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How much will it cost?

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

Calculate your mortgage repayments
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Decision in Principle (DiP)

A DiP lets you see if you’re eligible to borrow what you need – and it can show sellers you’re ready to buy.

It only takes about 10 minutes to apply, you’ll get an immediate decision, and it doesn’t affect your credit score.

Start or access your application

How can a mortgage service be carbon neutral?

To be carbon neutral, we must cancel out the carbon emissions created by our activity.

We asked the Carbon Trust to help us measure the footprint of our mortgage service. From what paper we use, to what we do online.

We continually take action to reduce our carbon footprint and we offset our impact with wind energy projects in India.

So the mortgage service we provide won’t contribute to rising greenhouse gas emissions.

And that’s verified by the Carbon Trust.

Verified by the Carbon Trust

For more detail on our offsetting arrangement and the footprinting review we completed with the Carbon Trust, you can read our qualifying explanatory statement and product emissions report.

Carbon Trust Certified logo


Important information about the Carbon Neutral Mortgage Service

  • This mortgage is for residential properties only
  • 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
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