Mortgages - sand castle

Mortgage experts with bucket loads of local know-how

Our on-island mortgage experts understand this area like only a local can. With an abundance of insider knowledge and a Certificate in Mortgage Advice and Practice, they're qualified to find the right mortgage for you.

Local knowledge

We live and work in the Channel Islands and Isle of Man, so we understand the communities, culture and history that make them special. Using our insight into island life, we’ve designed a range of competitive mortgages to help you secure a little piece for yourself.

Mortgage experts

Alongside our local knowledge, our professionally qualified team all hold the Certificate in Mortgage Advice and Practice (CeMAP). This means they’re ideally placed to help you find the right type of mortgage and repayment options – whether you’re a first-time buyer or remortgaging.

What we offer

For Guernsey, Jersey and Isle of Man residents, we offer a range of competitive mortgages to help you buy a property locally.

First-time buyer mortgages

We believe first time buyers should have the same opportunity as any other buyers to own a property. You can apply for any of the mortgages we have on offer which will have an interest rate based on how much deposit you are able to put down towards your purchase.

Switch or remortgage

A new mortgage deal may save you money and can be easier than you think. Whether your current mortgage deal is ending, you want to release equity, or you want to borrow cost-effectively, talk to our advisers today.

Investment mortgages

With our investment mortgages, you’ll only need to put down a relatively modest deposit. If you’re considering buying property for income or as part of a balanced portfolio, it could help you achieve the return you're looking for.

Shared equity mortgages

We offer mortgages for qualifying shared equity schemes in Jersey and the Isle of Man, so you can combine a mortgage with a loan that covers part of the value of your property.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

For more details of our rates and fees, please visit our rates and tariffs page

Call our mortgage team on your island