Am I eligible to apply for a mortgage?

Am I eligible to apply for a mortgage?

To apply for a mortgage:

  • you must be over 18 years old
  • the maximum age for repayment is 65 years old. Where a mortgage extends beyond normal retirement age, you should be able to demonstrate continued ability to service the loan by way of pension or alternative means.
  • the property you want to purchase must be in the Isle of Man
  • you must be resident in the Isle of Man

It is unlikely that we will be able to lend to you if you have ever been declared bankrupt, have had court judgements against you, had your property seized, defaulted on a mortgage, or had to organise a repayment plan with your creditors.

Security and buildings insurance are required when you take out a mortgage.

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