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First time buyers

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Why choose us?

  • Borrow up to 90% of the property value
  • Danske Carbon Neutral Mortgage Service - If your home has an energy efficiency rating of A to C we could save you money on your mortgage
  • We offer Fixed Rate mortgages through Co-Ownership External link icon in Northern Ireland
  • You can make overpayments
  • Repay your mortgage over terms up to 40 years
  • Local team of expert mortgage consultants to guide you through your home-buying journey – available in branches, by phone and video call.
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Things you need to know

  • 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

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

Start your mortgage journey with us

Get started by finding out how much you could borrow or seeing how much your monthly repayments might be. If you’re ready, you can also apply for a Decision in Principle.

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How much could I borrow?

Whether you’re buying your first home, moving home or switching your mortgage to us, find out how much you might be able to borrow. It only takes a few minutes.

Calculate how much you can borrow
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How much will it cost?

You can use our repayment calculator to find out how much your mortgage may cost.

Calculate your mortgage repayments
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Decision in Principle (DiP)

You can get a DiP from us. This gives you an estimate of how much money you may be able to borrow. This can be useful to show sellers you’re serious about buying their property.

Start or access your application

Helpful mortgage guides for you

From buying your first home to borrowing more to improve it, we have the answers to your most common mortgage questions.

Read our mortgage guides

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.

Ask us more or book an appointment

Talk to us about a mortgage…

0800 389 0833
  • Main phone opening hoursMon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed
  • Call us

    Talk to us about a mortgage…

    0800 389 0833
    • Main phone opening hoursMon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed
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  • Find us

    Find your nearest branch

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