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Renew your mortgage with us

Whether you want to review your deal, reduce your mortgage term, or reconsider your monthly payments, we have options to suit you.

Mortgage Charter

Danske Bank have signed up to the UK Government’s Mortgage Charter. If you are concerned about your Danske mortgage repayments, we have support options available which can be applied for online. Read more about the support outlined in the Mortgage Charter.

You can also visit our Money Worries section for details of other forms of support.

Why stay with us?

  • You may be able to renew your mortgage yourself online.
  • Get access to exclusive rates.
  • You can make overpayments.
  • You can repay your mortgage over terms up to 40 years
  • You could get an exclusive Home Owner’s Personal Loan of up to £25,000
  • We have a dedicated local phone line just for you 0800 389 0833 Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

Do you have an up-to-date Energy Performance Certificate?

If your property has an energy efficiency rating of A-C you can get access to exclusive existing customer rates. You’ll find a home’s energy efficiency rating on its Energy Performance Certificate (or EPC), if it has one.

To be eligible, the EPC must be valid for at least another year at the date of your mortgage application.

If we hold a valid energy efficiency rating of A-C for your property you don’t need to do anything.

If we don’t hold a record of your properties EPC rating or the rating is D or below you can still avail of our standard existing customer rates.

If you want to check if we hold a valid energy efficiency rating for your property or you want us to update our records, call us on 0800 389 0833. Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

You can read more about our mortgages for energy efficient homes here.

Whether we provide credit depends on your circumstances. Lending terms and conditions apply.

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

Are you ready to renew your mortgage?

Have a look at our range of products to find a deal that’s right for you.
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Fixed Rate Mortgage

With a fixed rate of interest, you'll have the comfort of knowing exactly what you'll pay each month


Learn about fixed rate mortgage
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Tracker Home Loan Mortgage

The variable interest rate you'll pay tracks a margin above the Danske Bank Reference Rate (UK)

Learn about tracker mortgage
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Prices and interest rates

We offer a range of mortgages and the actual rate available will depend on your circumstances. Talk to us about your options and ask for a personalised illustration.

Learn about prices and interest rates

Find out how to renew your mortgage below

Renew online

You can renew online if all the following points apply to you:

  • You currently have a fixed rate mortgage which is due to end in the next 90 days OR your fixed rate mortgage has already ended.
  • You have a Tracker Home Loan, Standard Variable Rate or Follow-on Rate Home Loan.
  • You do not want to change the amount or term of your existing mortgage.
  • The mortgage is not for an investment property.
  • You want to renew using our online execution only service, which means you don’t want us to provide advice.
  • The balance of your mortgage is £10,000 or more and the remaining term is 12 months or more.
  • Your remaining mortgage is 95% of the property value or less.
  • Your property is in the UK.
  • You are making monthly repayments on a capital and interest basis.
  • All payments are up to date and you are not currently making payments that are less than those detailed in your original mortgage agreement.

What you’ll need to access our online service:

  • Mortgage account number (which you can find on eBanking or on your mortgage statement)
  • Property postcode
  • Surname
  • Date of birth
  • A valid email address
  • We’ll send a unique PIN code to the mobile number we hold for you each time you log in. If we do not hold a valid mobile number, we will tell you when you try to log in. You can call us on 0800 389 0833 and we will update our records. Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

Important Information

  • We will provide a ‘Product Transfer Offer letter’ when you select a new product. Please read this carefully before you make a decision.
  • Any initial monthly repayment figures illustrated online may be subject to change, and will be confirmed within the Product Transfer Offer letter.
  • You must accept the ‘Product Transfer Offer letter’ before we will make the change to your mortgage.

You can renew online by clicking on the link below. You can also get step by step instructions by watching the video.

Renew online Watch video

Talk to us

If you’re not sure about what to do next, or you would prefer to speak to us about our mortgages and how we can help, get in touch.

0800 389 0833

Lines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.

Frequently Asked Questions

  • Online

    If you meet the eligibility criteria above, you can use our online service.

    Using our online service you can see what deals are available, compare our rates and select your new deal. Once you’ve selected a new deal, your mortgage will change automatically on your switch date. If your switch date was in the last 180 days, the change will take effect immediately.

    For example, if your current fixed rate deal is due to end 1 September and you complete the online product switch before this date, your mortgage will switch automatically when your current deal ends on 1 September. However, if you complete the online product switch after 1 September, your new rate will be applied immediately.

    In branch or on the phone

    We’re always on hand to help if you need advice.

    Our mortgage advisers will be happy to meet you and complete your renewal face to face or over the phone. The choice is yours, simply complete one of our forms above and an adviser will get in touch to arrange an appointment.”

  • Applying online is simple.

    You can compare our mortgage deals and see the full details of the deal you choose before accepting; this will include your mortgage illustration, offer document and General Offer Conditions. You should read these documents thoroughly before accepting to make sure you understand your new mortgage deal. Every party to the mortgage will receive a copy of the offer documentation by post when you complete the process.

    Once you’ve selected the deal you want, all you have to do is submit your choice and we’ll take care of the rest. Your mortgage will change to your new rate automatically on your switch date. If your switch date was in the last 180 days, the change will take effect immediately.

    For example, if your current fixed rate deal is due to end on 1 September and you complete the online product switch before this date, your mortgage will switch automatically when your current deal ends on 1 September. However, if you complete the online product switch after 1 September, your new rate will be applied immediately.

  • Yes, if your new deal hasn’t started yet you can let us know if you would like to cancel or if you would like to switch to a different rate. We will cancel your original application and send you new documents to sign and return. You can do this by calling us on 0800 389 0833 Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

    Please let us know as soon as possible to avoid your mortgage switching to a rate you no longer want.

  • If your new deal has started, and you would still like to repay your mortgage or change to a different rate you may still be able to do so. Depending on the product you switched to, there might be an Early Repayment Charge (ERC) to pay. You can find out more and what your ERC will be in the offer document we sent to you when you applied.

    If you would like to discuss repaying your mortgage or changing to a different deal call us on 0800 389 0833 Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed.

  • No. In this case you would need to talk to one of our mortgage advisers.

    If you would like to borrow more money, change your term or amend any other details about your mortgage, please give us a call on 0800 389 0833 to get a quote and discuss your options.

    We can then book you an appointment with one of our mortgage advisers to submit your application.

  • No. In this case you would need to talk to one of our mortgage advisers. Please call us on 0800 389 0833. We can then book you an appointment to complete your application.

Mortgage renewal video

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Apply online

Book a pre-application meeting

If you would like more information before making an application and prefer to speak to someone in person. You can book a pre-application meeting in one of our local branches.

  • Info

    If you would like more information before making an application and prefer to speak to someone in person. You can book a pre-application meeting in one of our local branches.

  • Find us

    Find your nearest branch

    Find Branch details

  • Book a pre-application meeting

Want to get in touch?

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