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Whether you're buying at home or in the UK, to live or to let, we have a mortgage deal that's right for you.
Rates quoted are for new business only. If you already have a mortgage with us, please speak to your Relationship Manager or Personal Mortgage Adviser.
We are pleased to be able to offer new customers even more choice following the launch of our product fee free range. Choose from one of our great standard product rates or opt for a fee free alternative.
Visit a branch or call us to discuss the best option for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 2.99% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £999 |
| 2 year fixed rate | 3.37% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £0 |
| 2 year fixed rate | 3.48% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £999 |
| 2 year fixed rate | 3.88% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £0 |
| 2 year fixed rate | 4.09% | 31/07/2015 | 4.00% | 4.2% APR | 15% | £999 |
| 2 year fixed rate (First time buyers only) | 4.20% | 31/07/2015 | 4.00% | 4.4% APR | 10% | £999 |
| 2 year fixed rate | 4.49% | 31/07/2015 | 4.00% | 4.6% APR | 15% | £0 |
| 2 year fixed rate (First time buyers only) | 4.60% | 31/07/2015 | 4.00% | 4.7% APR | 10% | £0 |
| 5 year fixed rate | 3.33% | 31/07/2018 | 4.00% | 4.3% APR | 40% | £999 |
| 5 year fixed rate | 3.57% | 31/07/2018 | 4.00% | 4.3% APR | 40% | £0 |
| 5 year fixed rate | 4.19% | 31/07/2018 | 4.00% | 4.3% APR | 20% | £999 |
| 5 year fixed rate | 4.34% | 31/07/2018 | 4.00% | 4.4% APR | 20% | £0 |
| 5 year fixed rate | 4.50% | 31/07/2018 | 4.00% | 4.7% APR | 15% | £999 |
| 5 year fixed rate | 4.64% | 31/07/2018 | 4.00% | 4.7% APR | 15% | £0 |
| 5 year fixed rate (First time buyers only) | 4.70% | 31/07/2018 | 4.00% | 4.8% APR | 10% | £999 |
| 5 year fixed rate (First time buyers only) | 4.85% | 31/07/2018 | 4.00% | 4.9% APR | 10% | £0 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| 3 year tracker | 2.89% | +2.39% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £999 |
| 3 year tracker | 3.29% | +2.69% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £0 |
| 3 year tracker | 3.49% | +2.99% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £999 |
| 3 year tracker | 3.79% | +3.29% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £0 |
| 3 year tracker | 3.90% | +3.40% | 29/07/2016 | 4.00% | 4.1% APR | 15% | £999 |
| 3 year tracker | 4.20% | +3.70% | 29/07/2016 | 4.00% | 4.3% APR | 15% | £0 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 5.39% | 31/07/2015 | 4.00% | 5.5% APR | 25% | £1,000 |
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| 2 year tracker | 3.98% | +3.48% | 31/07/2015 | 4.00% | 4.1% APR | 30% | £1,000 |
| 2 year tracker | 4.08% | +3.58% | 31/07/2015 | 4.00% | 4.2% APR | 25% | £1,000 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| Foundations mortgage | 4.49% | +3.99% | N/A | 4.00% | 4.7% APR | 25% | £999 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 2.99% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £495 |
| 2 year fixed rate | 3.48% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £495 |
| 2 year fixed rate | 4.09% | 31/07/2015 | 4.00% | 4.2% APR | 15% | £495 |
| 5 year fixed rate | 3.33% | 31/07/2018 | 4.00% | 4.1% APR | 40% | £495 |
| 5 year fixed rate | 4.19% | 31/07/2018 | 4.00% | 4.3% APR | 20% | £495 |
| 5 year fixed rate | 4.50% | 31/07/2018 | 4.00% | 4.6% APR | 15% | £495 |
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| Standard variable rate | 4.00% | N/A | N/A | 4.00% | 4.1% APR | 15% | £295 |
| Foundations | 4.49% | +3.99% | N/A | 4.00% | 4.6% APR | 25% | £495 |
| 2 year tracker | 2.89% | +2.39% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £495 |
| 3 year tracker | 3.49% | +2.99% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £495 |
| 3 year tracker | 3.90% | +3.40% | 29/07/2016 | 4.00% | 4.1% APR | 15% | £495 |
At Isle of Man Bank we seek to understand all of our customers' financial needs and provide a full banking service. Therefore, in order to apply for a mortgage you must hold or open a current account with us. The main applicant's salary must be paid into an account with Isle of Man Bank throughout the mortgage term, or if earlier, until retirement.