Buying a home in England

Danske Carbon Neutral Mortgage is a greener mortgage to support you in choosing a greener home. A better deal for you, and the environment.

For homebuyers purchasing a home in England with a valid Energy Performance Certificate (EPC) of A-C.

We currently offer mortgages in the South East, South West and East of England [excluding London], via selected Brokers registered with Mortgage Advice Bureau. Contact your local broker to find out more.

Mortgage Advice Bureau

The information on this webpage is for customers buying a home in England. Danske Carbon Neutral Mortgage is also available to customers in Northern Ireland.

Find out more

If you are already a Danske Bank customer based in Northern Ireland, whether or not you are buying a home in England, there is no change to how we do business with you - our other products are still open to you and you can contact us directly to discuss your mortgage needs.

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

Benefits of a greener home

Homes generate an estimated 15% of the UK’s greenhouse gas emissions, so improving the energy efficiency of our homes is crucial in the fight against climate change.

A greener home is a more energy efficient home. This is not only good for the planet, but better for you as you’ll save money on your energy bills.

You can find out a home’s energy efficiency rating on it’s Energy Performance Certificate (EPC) External link icon.

Benefits of a Danske Carbon Neutral Mortgage

If you have an Energy Performance Certificate rated A-C, choose from a 2 year or 5 year Fixed Rate Home Loan and get a competitive rate.

Our mortgage service is Carbon Neutral as it offsets our footprint with wind energy projects in India, and that’s certified by the Carbon Trust.

You can borrow from as little as 5% deposit and for up to 35 years.

You can also make an overpayment on your Fixed Rate mortgage of up to 10% of the outstanding balance each year.

Find out more

Read more about Danske Bank here.

To find out more about Danske Carbon Neutral Mortgage, including our rates and to see how much you could borrow, speak to a Mortgage Advice Bureau External link icon broker today.

Our Danske Carbon Neutral Mortgage range in England also includes mortgages offered under the Help to Buy Scheme.

Help to Buy logo

How can a mortgage be carbon neutral?

Most activities have a carbon footprint. That's the total greenhouse gas emissions caused directly or indirectly by our actions.

We asked the Carbon Trust to help us measure the footprint of our mortgage service - from the paper we use, to the online storage of our digital documents.

To be carbon neutral, we must offset (or cancel out) the amount of carbon emissions that our activity has caused.

The Carbon Trust calculated our footprint at 96kg of carbon emissions for every mortgage we provide.

We’re continually taking action to reduce this footprint and we’re offsetting our impact with wind energy projects in India to achieve carbon neutrality.

So the mortgages we’ll provide on greener homes won’t contribute to rising greenhouse gas emissions.

And that’s certified by the Carbon Trust.

Certified by the Carbon Trust

Danske Carbon Neutral Mortgage is certified against PAS 2060 Carbon Neutrality Standard by the Carbon Trust. The certification boundary includes the lifecycle of the provision of the mortgage by Danske Bank, including both physical and digital activities (energy consumption, paperwork, waste generated) for all the stages of the mortgage operational provision (application, on-going and end-of-life).

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

Carbon trust Carbon neutral logo

FAQs

Important information about the Carbon Neutral Mortgage

  • 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