Fixed Rate Mortgage
The interest rate is set for an agreed term, so you’ll know exactly how much your monthly repayments will be during your fixed rate period.
The information on this webpage is for customers buying a home or already living in Northern Ireland. If you are buying a home or already living in England, find out how we could help you
Find out moreWhy 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
- Thinking of moving your mortgage to Danske? We could give you a helping hand with our remortgage offer if your home is in Northern Ireland’
- Fix your rate for an agreed length of time
- Repay your mortgage over terms up to 35 years
- A portable mortgage, so you may be able to transfer it if you move house
- We offer Fixed Rate mortgages through Co-Ownership
in Northern Ireland and through the Help to Buy Scheme in select parts of England. - Make an overpayment of up to 10% each year without incurring Early Repayment Charges. Find out more
- Borrow up to 95% of the property value
Things you need to know
- Cashback and remortgage offers are only available in Northern Ireland and may be amended or withdrawn at any time.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 and homemovers. Remortgagors with a mortgage of £150,000 or more can choose a cashback offer.
- 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
- You may have to pay an Early Repayment Charge
- 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
What best describes you?
Tell us why you need a mortgage and we'll point you in the right direction.
If you are buying a home in England, get in contact with your local Mortgage Advice Bureau broker to find out how much you could borrow.
Ask us more or book an appointment
Other important information
- When you reach the end of your Fixed Rate period, you will automatically move to Danske Follow-on Rate.
- The bank only provides mortgages in sterling but will consider Fixed Rate applications where the applicant's income is in another currency. Fluctuations in the exchange rate may affect your affordability. More information is provided in our glossary.
- If you need to close or switch your fixed rate mortgage account to another provider during the fixed rate term, an Early Repayment Charge will normally apply. This example compares the costs associated with early repayment of our 2 and 5 year fixed rate mortgages.
Terms and conditions
- You may have to pay for an independent professional valuation unless you are an existing Danske Bank customer switching mortgages. We will arrange this for you.
- You may have to pay other fees such as legal charges, which are not paid through us.
- You must have buildings insurance in place on your property. You do not have to arrange this through us.
- For full details on charges please see our Tariff of Mortgage Charges.
- For further conditions please see our Home Loan General Offer Conditions
Danske Carbon Neutral Mortgage
If you are a homebuyer or switcher and your home has an EPC or PEA rating of A-C, you could be eligible for Danske Carbon Neutral Mortgage
Find out moreMortgage offers
Buying your first home, upsizing or downsizing, or looking to switch your mortgage provider for a better deal?
