| Current per annum% | Overall Cost for Comparison APRC% | Product Fee | |
|---|---|---|---|
| Fixed until: 2 January 2027 Changing on: 2 January 2027 to our Danske Follow-on Rate for the remainder of the Home Loan term |
7.05 7.15 |
7.60 | £999 |
| Fixed until: 2 January 2030 Changing on: 2 January 2030 to our Danske Follow-on Rate for the remainder of the Home Loan term |
6.35 7.15 |
7.20 | £999 |
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 
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 21 November 2024
| Home Lending | Current per annum% |
|---|---|
| Danske Bank Reference Rate (UK) variable* | 4.75 |
| Danske Bank Standard Variable Rate (UK) | 6.90 |
| Danske Follow-on Rate variable** | 7.15 |
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 4.75%, 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.
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
Representative example
A mortgage of £155,000 payable over 25 years on a fixed rate for 5 years at 4.70% and then on our Follow on Rate 2.40% above Danske Bank Reference Rate (UK) of 4.75% (variable) for the remaining 20 years would require 61 monthly repayments of £877.85 and 239 monthly repayments of £1066.59.
The total amount payable would be £308,462.59 made up of the loan amount plus interest (£153,462.06). A product fee (£999), valuation fee (£0) and mortgage exit fees (£125) are also payable.
The overall cost for comparison is 6.3% APRC representative.
The actual rate will depend on your circumstances, please ask for a personalised illustration.
