Happy young woman holding up a key in a bright, modern home interior with boxes and furniture in the background, symbolising moving or new home ownership.

First-time buyers

Own your space! Buying your first home is one of the most important purchases you'll ever make, and it’s also one of the most exciting.

Find out how much you could borrow
How to buy your first home

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

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Energy Efficient Home Mortgages

If your home has an energy efficiency rating of A to C we could save you money on your mortgage.

Find out more
Financial calendar icon

Long repayment terms

Repay your mortgage over terms up to 40 years.

Deal handshake icon

Local team of expert mortgage consultants

To guide you through your home-buying journey – available in branches or by phone.

approved overdraft icon

You can make overpayments

Our mortgages include options for overpayments and one-off lump sums.

View overpayments
Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

Globe with leaf in the centre

Energy Efficient Home Mortgages

If your home has an energy efficiency rating of A to C we could save you money on your mortgage.

Find out more
Financial calendar icon

Long repayment terms

Repay your mortgage over terms up to 40 years.

Deal handshake icon

Local team of expert mortgage consultants

To guide you through your home-buying journey – available in branches or by phone.

approved overdraft icon

You can make overpayments

Our mortgages include options for overpayments and one-off lump sums.

View overpayments
Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

About our mortgages

Home with percentage icon

Borrow up to 95%

Borrow up to 95% of the property value (or 90% for new build properties).

Globe with leaf in the centre

Energy Efficient Home Mortgages

If your home has an energy efficiency rating of A to C we could save you money on your mortgage.

Find out more
Financial calendar icon

Long repayment terms

Repay your mortgage over terms up to 40 years.

Deal handshake icon

Local team of expert mortgage consultants

To guide you through your home-buying journey – available in branches or by phone.

approved overdraft icon

You can make overpayments

Our mortgages include options for overpayments and one-off lump sums.

View overpayments
Shares graph icon

Competitive rates and flexible repayment options

You can choose a Fixed Rate or Tracker mortgage.

How to apply

Let’s get you on your mortgage journey in four simple steps.

  1. Calculator icon

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  2. Share gross spend pie chart icon

    Find out what your repayments could be

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

    Calculate repayments
  3. Account Statement icon

    Get your Decision in Principle (DiP)

    A DiP takes about 10 minutes and lets you see if you're eligible to borrow what you need. It won't affect your credit score and can show sellers you're ready to buy. Now you’re ready to apply!

    Start your DiP
  4. Dedicated adviser icon

    Submit your application and speak with a Mortgage Adviser

    Already got your DiP? Schedule a phone meeting with one of our Mortgage Advisers to receive personalised mortgage recommendations.

    Continue application
  • Calculator icon
    1

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  • Share gross spend pie chart icon
    2

    Find out what your repayments could be

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

    Calculate repayments
  • Account Statement icon
    3

    Get your Decision in Principle (DiP)

    A DiP takes about 10 minutes and lets you see if you're eligible to borrow what you need. It won't affect your credit score and can show sellers you're ready to buy. Now you’re ready to apply!

    Start your DiP
  • Dedicated adviser icon
    4

    Submit your application and speak with a Mortgage Adviser

    Already got your DiP? Schedule a phone meeting with one of our Mortgage Advisers to receive personalised mortgage recommendations.

    Continue application
Customer support at Killeaton

Not sure what to do next and need a chat first? Don’t worry our local team are here to help

Call us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

0800 389 0833

0800 389 0833

Communication speech icon
Chat to us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

Start chat

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

Whether we provide credit depends on your circumstances, and you must be 18 or over.

Applications are subject to status and lending criteria. Your home is security for your mortgage, other security may be requested.

We offer mortgages for properties in Northern Ireland. If your home is in England, get in contact with your local Mortgage Advice Bureau External icon blue broker to find out how much you could borrow.

Couple walking hand-in-hand along a residential street with brick houses and gardens in the background.

Fixed rates for Co-Ownership mortgages

We offer a Fixed Rate on Co-Ownership mortgages in Northern Ireland. Buy both new and existing properties.

Explore Co-Ownership External icon white

How to buy your first home

Buying your first home is an exciting moment in life. It's also one of the biggest purchases you'll ever make, and the process can feel complicated.

We break down the nine stages of buying your first home.

View our guide

Our first home guide covers


  • How you can borrow
  • Finding the right home
  • Making an offer
  • Applying for your mortgage
  • Finding a solicitor
  • Getting the property valued
  • Getting insurance in place
  • Signing the contract
  • Moving in
A Danske Bank mortgage customer holding house keys in front of a modern residential building, symbolising the achievement of homeownership as a first-time buyer.

As a first-time buyer, I really appreciated a local, accessible adviser - clear information, quick answers and real peace of mind”

Poppy, Co. Down
First time buyer

FAQs

How else can we help?

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Save with us

Whether you're saving for a rainy day or exciting future plans, our range of savings accounts can help you reach your goals.

Explore savings accounts
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Personal Current Accounts

Bank your way - online, in-branch or by phone. We have a range of award-winning current accounts for ages 11+.

Explore personal current accounts
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