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This helps us understand where the property you are buying is located. For an accurate reading of what you can borrow, it is important that you select the correct location.
Your selection will allow us to understand the reason for you wanting to borrow money, so we are able to match you with our most suitable product to fit your circumstances.

How much will it cost?

The amount you will pay for the property. You might not know at the moment so you can put in a guide amount to help you see what your monthly payments could be.
This is the amount of cash or equity you have got to put towards the cost of your property. Please note; you will need to set money aside for other costs such as legal fees. This is something that will not be included in your mortgage.
This is how long you would like to borrow the money for. Most customers will experience a reduction of their income when they retire and you should consider this when selecting a mortgage term, aiming to repay your mortgage before you plan to retire.

How much can I borrow?

This is the number of people making the application for the mortgage.
3 or more applicants

First Applicant

Your income that you are guaranteed to earn each year, plus any car allowance, area allowance and paid company benefits.

Second Applicant

Your income that you are guaranteed to earn each year, plus any car allowance, area allowance and paid company benefits.

You require a mortgage of:

£0

with a loan to value of:

n/a

You could borrow up to:

£0

The calculation indicates you need to borrow more than you can afford. Let us help talk through your options.
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The calculation indicates your loan to value exceeds the maximum allowed. Let us help talk through your options.
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The calculation indicates your requirements are outside of our lending eligibility. Let us help talk through your options.
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Please consider the need to budget for the arrangement fee (if applicable), legal fees, stamp duty and the valuation of the property. One of our mortgage arrangers would be happy to explain how much these may cost.
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Our mortgage products and rates

Product Interest rate Followed by the Homeowner Variable rate Overall cost for comparison, based on a capital and interest repayment basis Arrangement fee Monthly payments, based on a capital and interest repayment basis
Product
Interest rate
Followed by the Homeowner Variable rate
Overall cost for comparison, based on a capital and interest repayment basis
Arrangement fee
Monthly payments, based on a capital and interest repayment basis

Tracker Products - If your product tracks a rate, such as Bank of England base rate, and that rate falls below zero, we will not change your margin. However if the combination of the tracked rate and the margin means that your interest rate does fall below zero, your interest rate will ‘instead’ be zero, until the combined rate goes above 0% again.

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Representative examples

A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 6.57% followed by our Homeowner Variable Rate of 8.49% for the remaining 20 years would require 60 monthly payments of £1,359.18 and 240 monthly payments of £1,572.18. The total amount payable would be £458,874.00 made up of the loan of £200,000.00, interest of £258,874.00. The Valuation Fee is waived in this representative example. The overall cost for comparison is 7.9% APRC representative.


A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 6.50% followed by our Homeowner Variable Rate of 8.49% for the remaining 20 years would require 60 monthly payments of £1,350.41 and 240 monthly payments of £1,570.70. The total amount payable would be £458,987.60 made up of the loan amount of £200,000.00 plus interest of £257,992.60 and an arrangement fee of £995. The valuation fee is waived in this representative example. The overall cost for comparison is 7.9% APRC representative.


What is a representative example?

This is an example of a typical Capital and Interest repayment mortgage and its total cost.

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

Lending is at the Bank’s discretion and you must be 18 or over and resident in Jersey, Guernsey, Alderney or the Isle of Man to apply. Security will be required.