If you have a Danske Bank Tracker Home Loan or Standard Variable Rate mortgage you can make overpayments and add lump sums whenever you like, with no penalty.

If your Danske Bank Fixed Rate mortgage illustration is dated before 4 February 2019, you can make overpayments but these will incur Early Repayment Charges.

If your Danske Bank Fixed Rate mortgage illustration is dated 4 February 2019 or later, you can make overpayments up to a specified amount without incurring Early Repayment Charges. Find out more.

Please check your mortgage illustration and offer documentation for full information regarding Overpayments and Early Repayment Charges.

There are two ways to do this.

1. Lump sum overpayments
   If you have a Danske Bank Tracker Home Loan or Standard Variable Rate mortgage, you can make a lump sum overpayment at any Danske Bank branch, via eBanking using the transfer facility to send funds directly into your mortgage account or by calling 0800 389 0833.

2. Increasing your regular mortgage repayment
   If you have a Danske Bank Tracker Home Loan or Standard Variable Rate mortgage you can increase the amount you pay each month without penalty. To do this call us on 0800 389 0833, send us a secure mail via eBanking or visit us in branch.

   If you have a Fixed Rate mortgage, you should send us a secure mail via eBanking or call our mortgage customer line (0800 389 0833). Our team will confirm if any Early Repayment Charges apply and process your request.

If you are concerned about being able to afford your Danske mortgage repayments, please visit our Money Worries section for support, visit our Customers in financial difficulties page or contact us on 0345 606 0573.

Yes, we have signed up to the UK Government’s Mortgage Charter and also remain focused on supporting customers above and beyond the Charter.

The Charter pledges that:

• Anyone worried about their mortgage repayments can contact their lender for help, without an impact on their credit file.
• Customers can switch to a new mortgage deal at the end of their existing fixed rate deal without an affordability check.
• Lenders will provide well-timed information to help customers plan ahead should their current rate be due to end.
• Lenders will offer tailored support for anyone struggling, such as extending their term with the option to revert to their original term within 6 months or offering a switch to interest only payments for 6 months.
• A borrower will not be forced to leave their home, unless in exceptional circumstances, in less than a year from their first missed payment.
• Customers approaching the end of a fixed rate deal will have the chance to lock in a deal up to six months ahead. They will also be able to manage their new deal and request a better like for like deal with their lender right up until their new term starts, if one is available.
• These options can be taken by customers who are up to date with their payments without a new affordability check or affecting their credit score. We’ll continue to work with customers who are in arrears and offer support where available.

For more information on the Mortgage Charter, have a look at the full PDF document from HM Treasury .