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.

Whether we provide credit depends on your circumstances, and you must be 18 or over. Lending terms and conditions apply. You will need to pay your mortgage from a Danske Bank personal current account. Your home is security for your mortgage. You may need to provide other security.

Correct as at 20th November 2017.

Home Lending Current per annum%
Danske Bank Base Rate (UK) variable 0.50
House Mortgage Base Rate variable 4.10
Danske Bank Standard Variable Rate (UK) 4.85

Where the interest reference rate that applies to your home loan, or personal loan, is either the Danske Bank Base Rate (UK), House Mortgage Base Rate 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.

Fixed Rates - All Customers

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

You may have to pay an Early Repayment Charge with this mortgage. Please ask us for an illustration that will set out the Early Repayment Charges which apply.

  • Up to 60% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.73
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.95
    4.85
    4.0 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.99
    4.85
    3.6 £0
  • 61% to 70% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.85
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.09
    4.85
    4.0 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.14
    4.85
    3.6 £0
  • 71% to 75% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.85
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.09
    4.85
    4.0 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.14
    4.85
    3.6 £0
  • 76% to 80% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.92
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.14
    4.85
    4.0 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.28
    4.85
    3.7 £0
  • 81% to 85% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.94
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.38
    4.85
    4.1 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.43
    4.85
    3.8 £0
  • 86% to 90% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.48
    4.85
    4.4 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.68
    4.85
    4.2 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.95
    4.85
    4.0 £0
  • 91% to 95% Loan to value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.85
    4.85
    4.7 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.64
    4.85
    4.6 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    4.16
    4.85
    4.6 £0

Remortgage Incentive
Fixed Rates

Available if you are switching your mortgage to Danske Bank and have declined the Cashback Incentive, or are an existing Danske Bank Residential Mortgage customer switching to a Fixed Rate Loan product with us. In addition to these rates you could benefit from a free valuation, if we require one, up to the value of £600. Terms and conditions and valuation fee clawback apply.

  • Up to 60% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.36
    4.85
    4.0 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.70
    4.85
    3.8 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term.
    1.81
    4.85
    3.4 £0
  • 61% to 70% loan to value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.50
    4.85
    4.1 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.84
    4.85
    3.9 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.98
    4.85
    3.5 £0
  • 71% to 75% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.50
    4.85
    4.1 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.84
    4.85
    3.9 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.98
    4.85
    3.5 £0
  • 76% to 80% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.57
    4.85
    4.1 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.88
    4.85
    3.9 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.10
    4.85
    3.5 £0
  • 81% to 85% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    1.70
    4.85
    4.1 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.15
    4.85
    4.0 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.28
    4.85
    3.6 £0
  • 86% to 90% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.13
    4.85
    4.2 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.38
    4.85
    4.1 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.77
    4.85
    3.9 £0
  • 91% to 95% Loan to Value
    Current per annum% Overall cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.50
    4.85
    4.6 £0
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.50
    4.85
    4.5 £0
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    4.02
    4.85
    4.5 £0

Base Rate Tracker

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

Our Base Rate Tracker mortgage tracks Danske Bank Base 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 Base Rate (UK). If we change this rate we will publish notices on our website, in our branches and in newspapers circulating Northern Ireland.

Loan to Value Current per annum % Tracks above Danske Bank Base Rate (UK) (currently 0.25% variable), by Overall Cost for Comparison APRC% Product Fee
Up to 60% 2.69 +2.19 2.8 £0
61% to 80% 2.69 +2.19 2.8 £0
81% to 85% 3.48 +2.98 3.6 £0
86% to 90% 4.09 +3.59 4.2 £0
91% to 95% 5.19 +4.69 5.4 £0

Danske Re:pay

Maximum Loan to Value 85%

The interest rate which will apply to your Danske Re:pay mortgage account depends on the amount of the original loan, as shown in the table below. The interest rate charged will continue to be the rate that applies to the original loan amount (even when the amount you owe reduces over time) until you have paid off the mortgage in full.

Original loan amount Current per annum% Overall Cost for Comparison APRC% Product Fee
£50,000 - £99,999 4.04 4.2 £0
£100,000 - £149,999 3.79 3.9 £0
£150,000 - £199,999 3.49 3.6 £0
£200,000+ 3.49 3.5 £0

Self Build Home Loan

Minimum Loan Amount £10,000

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 4.85 5.8 1% of the amount borrowed with a minimum fee of £999
No Danske Bank Home Loan to be taken at end of term 5.35 6.4 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 Base Rate Tracker Investment Property Loan tracks Danske Bank Base 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 Base Rate (UK). If we change this rate we will publish notices on our website, in our branches and in newspapers circulating Northern Ireland.

  • Fixed Rate Investment Property Loan - Loan to Value (LTV) up to 60%
      Current per annum% Overall Cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    2.78
    4.85
    4.6 £999
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.08
    4.85
    4.5 £999
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.58
    4.85
    4.5 £999
  • Fixed Rate Investment Property Loan - Loan to Value (LTV) 61% - 75%
      Current per annum% Overall Cost for Comparison APRC% Product Fee
    Fixed until: 1 Apr 2020
    Changing on: 1 Apr 2020

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.18
    4.85
    4.7 £999
    Fixed until: 1 Apr 2021
    Changing on: 1 Apr 2021

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.58
    4.85
    4.7 £999
    Fixed until: 3 Apr 2023
    Changing on: 3 Apr 2023

    to our Standard Variable Rate for the remainder of the Home Loan term
    3.98
    4.85
    4.7 £999
  • Base Rate Tracker Investment Property Loan
    Loan to Value (LTV) Current per annum% Tracks above Danske Bank Base Rate (UK) (currently 0.25% variable), by Overall Cost for Comparison APRC% Product Fee
    Up to 60% 3.49 2.99 3.8 £999
    61% to 75% 3.89 3.39 4.2 £999

Representative example

A mortgage of £117,000 payable over 23 years initially on a fixed rate for 2 years at 2.48% and then on our current variable rate of 4.85% (variable) for the remaining 21 years would require 28 monthly payments of £557.39 and 248 monthly payments of £690.10.

The total amount payable would be £186,751.30 made up of the loan amount plus interest (£69,751.30). A product fee (£0), valuation fee (£175) and mortgage exit fees (£125) are also payable.

The overall cost for comparison is 4.4% APRC representative.