First time buyers

Your home is one of the most important purchases you'll ever make, but it’s also one of the most exciting. We can help you find our best mortgage for you.

The information on this webpage is for customers buying a home or already living in Northern Ireland. If you are buying a home in England, find out how we could help you

Find out more

Why choose us?

  • Get up to £1,500 cashback on mortgages of £75,000 or more or, if you are a homebuyer or you are switching to us and your home is in Northern Ireland
  • If your home has an EPC or PEA rating of A-C, you might be eligible for Danske Carbon Neutral Mortgage
  • We offer mortgages through Co-Ownership in Northern Ireland and through the Help to Buy Scheme in select parts of England
  • You can make overpayments
  • Repay your mortgage over terms up to 35 years
  • Borrow up to 95% of the property value

Things you need to know

  • Cashback offer is only available in Northern Ireland and may be amended or withdrawn at any time. Cashback is not available on our fee-paying mortgages for first time buyers.
  • 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
  • If you are buying a home in England, find out what we can do for you

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

How much could I borrow?

Our mortgage calculator will give you an idea of how much you might be able to borrow.

Please read about our mortgages before you go any further.

This calculator is for the use of customers in Northern Ireland only. If you are buying a home in England, get in contact with your local Mortgage Advice Bureau External link icon Broker to find out how much you could borrow. Our remortgage offer is currently only available to customers in Northern Ireland.

 
Indtast mindst 10.000 kr.
Indtast mindst 10.000 kr.
 
Indtast mindst 10.000 kr.
Indtast mindst 10.000 kr.
 
Indtast mindst 10.000 kr.
Indtast mindst 10.000 kr.
 
 
 

This is based on the information you’ve given us and assuming you repay the loan over 25 years.

Amount will depend on your financial situation, property value and the size of your deposit. All figures provided are indicative only and subject to change. This is not a formal quotation or commitment to lend. Please talk to us if you would like a full quotation.

How much would I pay every month?

Use our calculators to work out your monthly repayments on a range of Danske Bank mortgages

  • This calculator is for the use of customers in Northern Ireland only. If you are buying a home in England, get in contact with your local Mortgage Advice Bureau External link icon Broker to find out how much you could borrow. Our remortgage offer is currently only available to customers in Northern Ireland.
  • If you are a homebuyer or you are switching to us and your home has an Energy Performance Certificate (EPC) or Predicted Energy Assessment (PEA) rating of A-C, you might be eligible for Danske Carbon Neutral Mortgage. You can read more about it and calculate your mortgage payments using our Danske Carbon Neutral Mortgage calculator.

Please read about our mortgages before you go any further

This is the amount you’d like to borrow from the bank, or if you’re an existing customer, the amount remaining on your mortgage.

Rates correct as of 22 October 2021

Helpful guides for first time buyers

The nine stages of buying your first home

From contemplation to completion, here's how it works

Read more

Co-ownership: what is it and how does it work?

Find out how Co-ownership could help you get on the ladder

Read more

Top ten questions first time buyers ask

How much deposit will I need? How much will it cost? Your questions answered

Read more

What to expect at your mortgage meeting

Find helpful tips and information ahead of your meeting

Read more

What to expect after your mortgage meeting

Find out what happens after your meeting

Download your guide

If you are buying a home in England, get in contact with your local Mortgage Advice Bureau External link icon Broker to find out how much you could borrow.

You can also check out our webpage to find out how we could help you.

Ask us more or book an appointment

Talk to us about a mortgage…

0800 389 0833
  • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
  • Call us

    Talk to us about a mortgage…

    0800 389 0833
    • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
  • Chat with us

    Danske Bank virtual assistant can help with a wide range of everyday banking queries.
    Click the button to get started.

    Start virtual assistant
  • Find us

    Find your nearest branch

    Find Branch details

  • Book a meeting