Buying your next home

We can help make arranging your new mortgage straightforward. Moving home can be stressful enough without also having to worry about your mortgage

Ways to apply

Features and Benefits

Competitive range of mortgages with as little as 5% deposit

No product fee and one free standard valuation (on a property valued up to £1.6 million) on selected mortgages

Mortgage term from 5 to 40 years to suit your needs (subject to individual circumstances and lending criteria)

Available for properties in Jersey and the Isle of Man*

* Mortgages on Isle of Man properties are available to Isle of Man residents or applicants moving to the Isle of Man

Types of mortgage

Do you want peace of mind of paying the same amount each month? If you do a fixed rate mortgage may be more suitable for you.

Do you want the option to be able to repay your mortgage early without charge? In which case a tracker rate mortgage may be more suitable for you. It tracks above the Bank of England base rate so your payments will increase or decrease in line with any changes.

Fixed rate mortgage Tracker rate mortgage
Tracks the Bank of England base rate No Yes
Fixed monthly payments Yes No
Initial rate period From 2 years From 2 years
Interest rate reverts to Follow-on Rate after the initial rate period Yes Yes
Early repayment charge(1) payable Yes No

1 If you choose to repay your fixed rate mortgage in full or overpay by more than 10% of the mortgage balance each calendar year, you'll need to pay an early repayment charge. Check your original mortgage paperwork if you already have a mortgage with us

Ways to repay your mortgage

You can choose between a repayment mortgage, an interest only mortgage or a combination of the two.

Repayment mortgages

Your monthly payment is made up of ‘capital’ (the amount you’ve borrowed) and interest. As long as you keep up your payments, your mortgage will be paid off when your mortgage term ends.

Interest only mortgages

Your monthly payment only pays the interest you owe. As you’re only paying interest, you’ll still have to repay the ‘capital’ (the amount you’ve borrowed) at the end of the mortgage term, therefore you must make sure you have a way to pay this off when the mortgage ends.

Other costs


If you’re buying a home or remortgaging to us from another lender, you’ll need legal representation and will have legal fees to pay.

Home Insurance

You must protect your home and possessions from the unexpected.

Life Insurance

Provides important protection for your family and your home.

Steps to your new mortgage

1. Arrange an appointment to speak to a Mortgage Specialist
Just contact us and we’ll book you an appointment at a time convenient for you.

To apply for a mortgage you would need to:

  • Have never had a home repossessed
  • Been declared bankrupt or subject to an Individual Voluntary Arrangement (IVA)

2. Mortgage appointment
We’ll look at your income and outgoings in more detail to let you know exactly how much you could borrow and discuss what is affordable.

We’ll listen to your needs and provide you with all possible options that meet your circumstances, guiding you every step of the way. Once you’ve decided on which mortgage you’d like, we’ll complete your mortgage application with you and then arrange to value your property.

Please note we cannot provide mortgage advice, so if you do have any specific mortgage questions, we recommend you speak to a financial adviser.

To prepare for your mortgage appointment you'll need to bring the following documents with you:

  • Your last three years' address history, with no gaps
  • Your last three months' payslips or three years' accounts
  • Your last three months' bank statements
  • Full details of any loans or credit cards you have
  • A detailed budget planner as this could save you time at your mortgage appointment
  • Proof of your ID, such as your passport
  • Proof of your current residential address, such as a utility bill or bank statement

3. Formal offer
Once the valuer has confirmed the value of the property we’ll issue your formal offer, meaning your mortgage has been approved. You then have a seven day ‘period of reflection’ to review the mortgage offer and check you still want to continue with it.

4. Completion
Your lawyer will make sure all money changes hands and let you know when you can pick up your keys and move in!

If you're remortgaging to us from another lender, we'll liaise with your lawyer to complete the transfer from your existing lender to us.

Customer reviews

All applications are subject to status and lending criteria


Ways to apply

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Enquire Online

Complete our online mortgage enquiry form

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We’re here to answer any questions, get in touch via email

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Call us on 08000 84 28 88, if calling from a UK landline or mobile, or +44 (0) 1624 641 888, if calling from overseas

Lines are open 9am – 5pm UK time, Monday  to Friday (except Wednesday when we open at 9.30am)

BAN078 Personal Manager

In branch

Visit us at:

Isle of Man
19-21 Prospect Hill
Douglas, Isle of Man, IM1 1ET

13-15 Charing Cross
St Helier, Jersey, JE2 3RP