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 mus​t 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 16 December 2016.​


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

 

Loan to Value Current per annum % Tracks above Danske Bank Base Rate (UK)
(currently 0.25% variable), by
Overa​ll 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 f​or 
comparison APRC %​
Product
Fee

Danske Re:pay - Variable Rate

Minimum 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 6.1 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 1 April 2019 2.78 4.6 £999
Changing from 1 April 2019
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 1 April 2020 3.08 4.5 £999
Changing from 1 April 2020
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 1 April 2022 3.58 4.5 £999
Changing from 1 April 2022
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 1 April 2019 3.18 4.7 £999
Changing from 1 April 2019
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 1 April 2020 3.58 4.7 £999
Changing from 1 April 2020
for remainder of Home Loan to our Standard Variable Rate
4.75
Fixed until 1 April 2022 3.98 4.7 £999
Changing from 1 April 2022
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​ 22 years
Fixed Rate period 5 years
Fixed Rate of interest 2.65%
Fixed Rate monthly repayment amount £585.10
Fixed Rate number of monthly repayments 63
Fixed Rate frequency of repayments Monthly
Variable Rate period 17 years
Variable Rate of interest (after Fixed Rate period) 4.75%
Variable Rate monthly repayment amount £683.85
Variable Rate number of monthly repayments 201
Variable Rate frequency of repayments Monthly
Total Amount payable £174,314.48
Product Fee £0
The overall cost for comparison 3.9% APRC
​​​
 
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