Mortgage Interest Rates

Mortgage Interest Rates

Danske Bank offer a range of mortgage deals to best suit your requirements. Whether you’re a first time buyer, moving home, switching mortgages or just looking for a fixed rate mortgage, talk to Danske Bank and we can discuss your options with you.

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 be required to have a personal current account with us to service the mortgage. Your home is security for your mortgage. You may need to provide other security.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Correct as at 14th August 2017.


Home Lending

Current per annum

Danske Bank Base Rate (UK) variable 

0.25

House Mortgage Base Rate variable 

4.00

Danske Bank Standard Variable Rate (UK) 

4.75

 

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.

 

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
Base Rate Tracker Mortgage 
Minimum Loan amount £30,000
Up to 60%

2.44

+ 2.19

2.5

£0

61% to 80%

2.44

+ 2.19

2.5

£0

81% to 85%

3.23

+ 2.98

3.3

£0

86% to 90%

3.84

+ 3.59

4.0

£0

91% to 95%

4.94

+ 4.69

5.1

£0

 

Original loan amount Current per annum % Overall Cost for 
comparison APRC %
Product
Fee

Danske Re:pay - Variable Rate

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.

£50,000 - £99,999   

3.94

4.1

£0

£100,000 - £149,999 

3.69

3.8

£0

£150,000 - £199,999

3.39

3.5

£0

£200,000+

3.39

3.5

£0

 

Self Build Home Loan

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 4.75 5.7 1% of the amount borrowed with a minimum fee of £999
No Danske Bank Home Loan to be taken at end of term 5.00 6.0 1% of the amount borrowed with a minimum fee of £999

 

Buy to Let/ Investment Property Loans

Fixed Rate Investment Property Loans

If you repay the loan in full or part, or ask to switch to another product during a Fixed Rate period you will have to pay an Early Repayment Charge. Please ask us for a mortgage illustration will set out the Early Repayment Charges which apply.

Loan to Value (LTV) up to 60%

Current per annum % Overall Cost for Comparison 
APRC
Product Fee
Fixed until 2 January 2020 2.78 4.6 £999
Changing from 2 January 2020
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 4 January 2021 3.08 4.5 £999
Changing from 4 January 2021
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 3 January 2023 3.58 4.5 £999
Changing from 3 January 2023
for remainder of Home Loan to our Standard Variable Rate
4.75

 

Loan to Value (LTV) 61% – 75%

Current per annum % Overall Cost for Comparison 
APRC
Product Fee
Fixed until 2 January 2020 3.18 4.7 £999
Changing from 2 January 2020
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 4 January 2021 3.58 4.7 £999
Changing from 4 January 2021
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 3 January 2023 3.98 4.7 £999
Changing from 3 January 2023
for remainder of Home Loan to our Standard Variable Rate
4.75

 

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% 3.24 2.99 3.5 £999
61% to 75% 3.64 3.39 3.9 £999

Fixed Rate Mortgage

If you repay the loan in full or part, or ask to switch to another product during the fixed rate period you will have to pay an Early Repayment Charge. Please ask us for a mortgage illustration which will set out the Early Repayment Charges which apply.

Expand all Expand all Collapse all Collapse all

Up to 60% Loan To Value

61% to 70% Loan To Value

71% to 75% Loan To Value

76% to 80% Loan To Value

81% to 85% Loan To Value

86% to 90% Loan To Value

91% to 95% Loan to Value


The actual rate available will depend upon your circumstances. Ask for a personalised illustration. View all mortgage rates.

Representative Example

Total amount borrowed £117,000
Mortgage Term 23 years
Fixed Rate period 2 years
Fixed Rate of interest 2.48%
Fixed Rate monthly repayment amount £556.52
Fixed Rate number of monthly repayments 29
Fixed Rate frequency of repayments Monthly
Variable Rate period 21 years
Variable Rate of interest (after Fixed Rate period) 4.75%
Variable Rate monthly repayment amount £682.44
Variable Rate number of monthly repayments 247
Variable Rate frequency of repayments Monthly
Total Amount payable £184,698.09
Product Fee £0
The overall cost for comparison 4.3% APRC
 
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