Mortgages

Compare the different types of mortgages available

To apply you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.

On this page

Fixed rate mortgages

Tracker rate mortgages

Other mortgage options

Buy to let mortgages

Mortgage help and support

Wondering what type of mortgage is best for you?

We offer a range of mortgages so it's important to understand the options that are available to you.

With our mortgage calculator, you can compare our mortgage products and get an idea of what your monthly payments could be.

For properties in the Channel Islands, Isle of Man or Gibraltar.

Use our mortgage calculator

If you are a UK expatriate or foreign national looking to purchase property in the United Kingdom, please visit our UK mortgage site.

Fixed rate

Pay the same amount for a set period

With a fixed rate mortgage your repayments will stay the same until the end of the fixed-rate period, even if interest rates change.

You'll know exactly how much your payments will be, helping you plan a monthly budget.

If mortgage rates fall, you'll be tied into your fixed rate mortgage until the fixed term ends.
An Early Repayment Charge (ERC) can be paid in order to exit your current deal and find a new rate.

Tracker rate

A variable rate for a set period

With tracker rate mortgages, your interest rate will rise and fall in line with changes to the NatWest International Bank Base Rate.

Our tracker mortgages are available over a 2 or 5 year period.

If this rate drops, your monthly mortgage payments will drop
If the rate goes up, so will your mortgage payments as you're not protected by a fixed rate

Early Repayment Charge

Some mortgages, such as a fixed rate mortgage, charge a fee if you pay back the loan early. This amount can vary, so check your original letter of approval or terms and conditions for details. This is known as an Early Repayment Charge (ERC).

Other mortgage options

Interest only mortgage

When you have another repayment plan

With this mortgage option you only pay the interest on your mortgage. This means that at the end of your mortgage term you'll still owe the full amount of capital borrowed.

This plan is specific to those who have an alternative repayment plan in place, which is why we don’t offer this type of mortgage to all of our customers and we require specific terms and conditions to be met.

Standard variable rate

Is your initial rate term over or about to expire?

Standard Variable Rate (SVR) is the interest rate you will pay on your mortgage when your fixed rate or tracker period ends. Our Standard Variable Rate can change at any time and is not always affected by changes to the Bank's Base Rate.

If you want to avoid moving onto the Standard Variable Rate then look for a new mortgage deal before your current deal ends.

Green mortgages

Helping you move toward a greener future

Green Mortgages reward you for purchasing an energy efficient property in Gibraltar, offering a reduced rate on selected mortgages for a fixed period of two years.

Your Gibraltar property requires to have a valid Energy Performance Certificate (EPC) rating of A or B to be eligible for this offer.

More about green mortgages

Buy to let mortgages

If you’re looking into becoming a landlord and would like to buy a property to rent out then you’ll need to buy the property outright or more commonly, get a buy to let mortgage.

Buy to let mortgages

Mortgage help and support

Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.