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Island mortgage calculator
Whether it's the Channel Islands or Isle of Man that you call home, use our simple calculator to find out what your mortgage payments might be, and discover a mortgage deal to suit you with Lloyds International.
This calculator is designed for customers living in the Channel Islands or the Isle of Man and is provided by Lloyds Bank Corporate Markets plc a wholly owned subsidiary of Lloyds Banking Group plc.
Information on our mortgages for customers in the United Kingdom
Our current Residential and Buy to Let mortgage products and interest rates
If you are worried about your upcoming mortgage rate changes, or have had a change in circumstances, our team can guide you through the process. We'll help you to find the best solution for your situation.
For more information, look at our customer support and wellbeing pages
Rates as of 08 June 2026 - Apply before the 31 July 2026
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Product/LTV
Actual current Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
3 Year Fixed 5% Deposit
Actual current Interest rate
5.30%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 Year Fixed 5% Deposit
Actual current Interest rate
5.74%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
-
Product/LTV
Interest margin above base rate
Actual current Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 year Eco Tracker 85% LTV
Interest margin above base rate
0.55
Actual current Interest rate
4.30%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 Year Eco Home Fixed 90% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.64%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 Year Eco Home Fixed 90% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.79%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.5%
Free valuation?
No
Arrangement fee
£0
Product/LTV
5 Year Eco Home Fixed 90% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.64%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.1%
Free valuation?
No
Arrangement fee
£0
-
Interest rates are variable. With a tracker Mortgage, the interest rates will be linked to the Bank of England's Base Rate (the "Base Rate"). The rate is recalculated within 1 month following any changes in the Base Rate.
Product/LTV
Interest margin above base rate
Actual current Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 year Tracker 75% LTV
Interest margin above base rate
0.75%
Actual current Interest rate
4.50%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Tracker 85% LTV
Interest margin above base rate
1.00%
Actual current Interest rate
4.75%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 year Tracker 90% LTV
Interest margin above base rate
1.50%
Actual current Interest rate
5.25%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
Yes
Arrangement fee
£995
-
Product/LTV
Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 year Fixed 60% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£0
Product/LTV
2 year Fixed 75% LTV
Interest rate
4.99%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£0
Product/LTV
2 year Fixed 85% LTV
Interest rate
5.19%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 year Fixed 90% LTV
Interest rate
5.25%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 year Fixed 60% LTV
Interest rate
4.84%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Fixed 75% LTV
Interest rate
4.89%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Fixed 85% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.3%
Free valuation?
No
Arrangement fee
£995
-
Product/LTV
Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
3 year Fixed 60% LTV
Interest rate
5.09%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 year Fixed 75% LTV
Interest rate
5.12%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 year Fixed 85% LTV
Interest rate
5.15%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 year Fixed 90% LTV
Interest rate
5.20%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 year Fixed 60% LTV
Interest rate
4.99%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£995
Product/LTV
3 year Fixed 75% LTV
Interest rate
5.05%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
No
Arrangement fee
£995
-
Product/LTV
Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
5 year Fixed 60% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.3%
Free valuation?
No
Arrangement fee
£0
Product/LTV
5 year Fixed 75% LTV
Interest rate
5.14%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.4%
Free valuation?
No
Arrangement fee
£0
Product/LTV
5 year Fixed 85% LTV
Interest rate
5.24%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.4%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 year Fixed 90% LTV
Interest rate
5.29%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.4%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 year Fixed 60% LTV
Interest rate
4.84%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.2%
Free valuation?
No
Arrangement fee
£995
Product/LTV
5 year Fixed 75% LTV
Interest rate
5.04%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.3%
Free valuation?
No
Arrangement fee
£995
-
Product/LTV
Interest margin above base rate
Actual current Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 Year Premium Tracker 75% LTV
Interest margin above base rate
0.65%
Actual current Interest rate
4.40%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
3 Year Premium Tracker 85% LTV
Interest margin above base rate
0.90%
Actual current Interest rate
4.65%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.84%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.89%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 Year Premium Fixed 85% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
5.09%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.74%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.79%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year Premium Fixed 85% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.84%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
3 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.99%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
5.02%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 Year Premium Fixed 85% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
5.05%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.89%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.5%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
3 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.95%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.6%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
5 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.84%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.2%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
5.04%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.3%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 Year Premium Fixed 85% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
5.14%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.4%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 Year Premium Fixed 60% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.74%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.2%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
5 Year Premium Fixed 75% LTV
Interest margin above base rate
Not applicable
Actual current Interest rate
4.94%
Followed by the Homeowner Variable Rate
6.99%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.3%
Free valuation?
Yes
Arrangement fee
£995
-
Product/LTV
Interest margin above base rate
Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 Year BTL Tracker 60% LTV
Interest margin above base rate
1.25
Interest rate
5.00%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.1%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year BTL Tracker 75% LTV
Interest margin above base rate
1.30
Interest rate
5.05%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.1%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year BTL Fixed 60% LTV
Interest margin above base rate
Not applicable
Interest rate
5.00%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.0%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 Year BTL Fixed 75% LTV
Interest margin above base rate
Not applicable
Interest rate
5.10%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.1%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
5 Year BTL Fixed 60% LTV
Interest margin above base rate
Not applicable
Interest rate
4.90%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.4%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
5 Year BTL Fixed 75% LTV
Interest margin above base rate
Not applicable
Interest rate
4.99%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.5%
Free valuation?
Yes
Arrangement fee
£995
-
Product/LTV
Interest rate
Followed by the Homeowner Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation?
Arrangement fee
Product/LTV
2 year Fixed 60% LTV
Interest rate
5.50%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Fixed 75% LTV
Interest rate
5.55%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£995
Product/LTV
5 year Fixed 60% LTV
Interest rate
5.52%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£995
Product/LTV
5 year Fixed 75% LTV
Interest rate
5.76%
Followed by the Homeowner Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
No
Arrangement fee
£995
Let’s look at the details
-
The APR shown in the tables are typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
APR stands for Annual Percentage Rate
LTV stands for Loan to Value -
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.
Tracker rates are reflective of the ‘Bank of England Base Rate’ as of 18 December 2025, which is currently 3.75%
-
The charge is 1% of the outstanding principal per full or part year remaining. If you decide to repay early during the last year of your fixed rate period, the early repayment charge will be no more than 1.5% of the outstanding principal balance. Learn more about Early Repayments Charges and Overpayments on our Managing your mortgage payments page.
No early redemption/partial repayment penalties are payable on Tracker Mortgages
-
Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage (31st July 2028, 31st July 2029 or 31st July 2031), your interest rate will switch to your Homeowner Variable Rate (HVR) when your current term expires. The HVR could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.
The Homeowner Variable Rate is currently – 6.99%.
Buy to Let Standard Variable Rate
On maturity of your Fixed Rate or Tracker mortgage (31st July 2028 or 31st July 2031), your interest rate will switch to your Buy to Let Standard Variable Rate (BTL SVR) when your current term expires. The BTL SVR could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.The Buy to Let Standard Variable Rate is currently – 7.34%
Our calculator
Please select your chosen interest rate from the products above and populate the field below. You'll then see the estimated amount you could pay each month.
This calculator provides an indication of monthly repayments for a set term and interest rate and does not include any follow-on rate following the term end.
Enter borrowing details:
Repayment:
Monthly payment
##repmp##
Total amount payable
##reptotal##
Interest only:
Monthly payment
##ipm##
Total amount payable
##iotot##
Ready to apply?
One of our mortgage arrangers will be happy to discuss your options with you.
Representative examples
If you borrow £200,000 over 25 years, your mortgage will start with a fixed interest rate of 5.10% for the first 5 years. During this time, your monthly payments will be £1,180.86. After that, the rate changes to our Homeowner Variable Rate of 6.99% for the remaining 20 years, with monthly payments of £1,374.64.
In total, you’ll pay £400,765.20. This includes the loan amount, £200,765.20 in interest, the valuation fee is waived and there is no Agreement Fee payable in this representative example. The overall cost for comparison is 6.3% APR. This example is an illustration of a typical mortgage and its total cost with Lloyds International.
Your home/property may be repossessed 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
- You could lose your home/property if you don’t keep up your mortgage repayments. You must be 18 or over, residency and lending criteria apply
- A redemption / partial repayment charge will be made if, during the period of the fixed rate, you either redeem the mortgage in full or make a part repayment. We abide by the Jersey Code of Practice for Consumer Lending. 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.
10 step guide
Follow our 10 step guide to buying your own home.
Key terms explained
Get up to speed on mortgage terms before you start.
Branch finder
Find your local team in Jersey, Guernsey or the Isle of Man and arrange a visit.
The Bank conducts its business in accordance with local legal and regulatory requirements, including anti-money laundering requirements which require the Bank to disclose information that would otherwise be confidential in circumstances where the Bank suspects its customer is benefiting or engaging in criminal activity including tax fraud.