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

Prices and Interest Rates

The actual rate available will depend on your circumstances. Ask for a personalised illustration.

The information on this webpage applies to 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 get information on our current rates. Our Remortgage Offer is currently only available to customers in Northern Ireland.

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. You may need to provide other security.

Correct at 22 March 2024.

Home Lending Current per annum%
Danske Bank Reference Rate (UK) variable* 5.25
Danske Bank Standard Variable Rate (UK) 7.15
Danske Follow-on Rate variable** 7.65

Where the interest reference rate that applies to your home loan, or personal loan, is either the Danske Bank Reference Rate (UK) or Danske Bank Standard Variable Rate (UK) then we can change that rate of interest at any time. These are our own interest reference rates, the rates are set by us and we make them publicly available.

* Formerly known as Danske Bank Base Rate (UK)

** If your Fixed Rate mortgage was effected on or after 26th June 2018, at the end of your Fixed Rate period, it will automatically move to Danske Follow-on Rate. Danske Follow-on Rate is a variable rate comprised of Danske Bank Reference Rate (UK) currently 5.25%, plus a margin of 2.40%.

If your mortgage was effected before 26th June 2018, at the end of your Fixed Rate period, it will automatically move to our Standard Variable Rate, as outlined in your mortgage offer.

Self Build Home Loan

Minimum Loan Amount £10,000

You will need to service your mortgage from a Danske Bank personal current account.

Self Build Home Loan – Variable Current per annum% Overall Cost for Comparison APRC% Product Fee
Danske Bank Home Loan to be taken at end of term 7.15 8.40 1% of the amount borrowed with a minimum fee of £999

Buy to Let / Investment Property Loan

Minimum Loan Amount £30,000
(£10,000 for existing mortgage customers)

You may have to pay an Early Repayment Charge with our Fixed Rate Investment Property Loan. Please ask us for an illustration that will set out the Early Repayment Charges which apply.


Our Tracker Home Loan Investment Property Loan tracks Danske Bank Reference Rate (UK) by an agreed margin for the full term of the loan. This is our own interest reference rate and we make it publicly available. Any change will take effect at the beginning of the day after we announce a change in the Danske Bank Reference Rate (UK). If we change this rate we will publish notices on our website, in our branches and in newspapers circulating Northern Ireland.

Existing Danske Bank mortgage customers over 95% loan to value

Available to existing customers repackaging their mortgage with us where their existing borrowing is over 95%. Not available for new borrowing

Residential Tracker Home Loan

Current per annum% Tracks above Danske Bank Reference Rate (UK) (currently 5.25% variable), by Overall Cost for Comparison APRC% Product Fee
10.26 +5.01 10.70 £0

Representative example

A mortgage of £142,000 payable over 24 years on a fixed rate for 5 years at 4.72% and then on our Follow on Rate 2.40% above Danske Bank Reference Rate (UK) of 5.25% (variable) for the remaining 19 years would require 63 monthly repayments of £823.71 and 226 monthly repayments of £1,026.13.

The total amount payable would be £282,768.97 made up of the loan amount plus interest (£140,768.97). A product fee (£0), valuation fee (£0) and mortgage exit fees (£125) are also payable.

The overall cost for comparison is 6.4% APRC representative.

The actual rate will depend on your circumstances, please ask for a personalised illustration.

Take a look at the other products we have on offer using our repayment calculator

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