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Danske Bank, formerly known as Northern Bank, is a commercial bank based in Northern Ireland. It is part of the Danish Danske Bank Group and offers mortgages for first time buyers, current homeowners, self-builders and buy to let landlords.

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Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Jul-2020 From Royal Bank Of Scotland
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Tracker Jul-2020 From Royal Bank Of Scotland
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Compare Danske Bank mortgages

Depending on your exact borrowing intentions and personal circumstances, there are a few different types of mortgages that may be applicable.

First Time Buyer mortgages

With so many prospective first time buyers struggling to raise the necessary deposit to buy a home, most lenders now offer dedicated mortgages for first time buyers. These tend to allow you to borrow a higher percentage of a home’s value, so you don’t need such a large deposit. They may also allow close family to use their own assets as partial security for the loan.

Self-build mortgages

Danske Bank offer short term interest only loans for self-builders. The funds from the loan are released in stages as the build progresses and when the project is nearing completion the borrower will need to convert their loan to a standard homeowner mortgage.

Buy to Let mortgages

Danske Bank will allow you to borrow up to 75% of the market value of a property in order to rent it out. However, this does depend on the location of the property. Danske Bank buy to let mortgages are offered either as base rate tracker mortgages or fixed rate investment mortgages.

Remortgaging with Danske Bank

If you want to cut your monthly payments, borrow more or repay some of the capital on your mortgage, you may need to look at switching to a new product or provider. This can allow you to get a better deal with a lower interest rate, end up with a lump sum leftover after you pay off your old mortgage or pay off a chunk of the capital and take a smaller mortgage instead.

Loan to value ratio

Most lenders specify a particular maximum loan to value (LTV) ratio for their different types of mortgages. This tells you the maximum they will be willing to lend with certain types of products as a percentage of the value of the property you are borrowing against.

For example, if a particular mortgage is offered with a maximum LTV of 70% and you are looking at a property worth £100,000, you will be able to borrow up to £70,000. The amount you can borrow also depends on your income and other factors.

It is worth bearing in mind that you will tend to be offered better interest rates on mortgage deals with a lower LTV, so the more you can put in as a deposit the better deal you are likely to be offered.

Find the best deals on mortgage rates

Using our mortgage calculator you can see top deals from across the market that match your borrowing needs. To use the calculator you simply need to input some basic details, including how much you need to borrow and how long you want to repay over. We will then show you the best deals we have sourced from all the leading providers to help you make a choice that works for you.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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