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Island mortgage calculator
Whether it's the Channel Islands or Isle of Man that you call home, use our simple mortgage 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
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Our Current Tracker Mortgage offers
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. After expiry of the term of the Tracker (31 March 2027) you'll pay interest at the Homeowner Variable Rate, which at the moment is 7.74%. The Homeowner Variable Rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
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 Home Tracker 85% LTV
Interest margin above base rate
0.50%
Actual current Interest rate
5.00%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Tracker 75% LTV
Interest margin above base rate
0.70%
Actual current Interest rate
5.20%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Tracker 85% LTV
Interest margin above base rate
0.95%
Actual current Interest rate
5.45%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.6%
Free valuation?
Yes
Arrangement fee
£995
Tracker Products
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 'Base Rates' being right as of 6 February 2025.
Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, 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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
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Our Current 2 Year Fixed Rate Mortgage offers
After expiry of the fixed term (31 July 2027) you'll pay interest at the Homeowner Variable Rate, which at the moment is 7.74%. The Homeowner Variable Rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
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 Eco Home Fixed 90% LTV
Interest rate
4.64%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.3%
Free valuation?
No
Arrangement fee
£0
Product/LTV
2 year Fixed 60% LTV
Interest rate
5.09%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.4%
Free valuation?
No
Arrangement fee
£0
Product/LTV
2 year Fixed 75% LTV
Interest rate
5.14%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
No
Arrangement fee
£0
Product/LTV
2 year Fixed 85% LTV
Interest rate
5.39%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 year Fixed 90% LTV
Interest rate
5.49%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
2 year Fixed 60% LTV
Interest rate
4.84%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.4%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Fixed 75% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
No
Arrangement fee
£995
Early redemption/partial repayment penalty - 2 Year Fixed Mortgages
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.
Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, 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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
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Our Current 3 Year Fixed Rate Mortgage offers
After expiry of the fixed term (31 July 2028) you'll pay interest at the Homeowner Variable Rate, which at the moment is 7.74%. The Homeowner Variable rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
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 Eco Home Fixed 90% LTV
Interest rate
4.64%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.1%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 year Fixed 60% LTV
Interest rate
4.99%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 year Fixed 75% LTV
Interest rate
5.09%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£0
Product/LTV
3 year Fixed 85% LTV
Interest rate
5.29%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.3%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 year Fixed 90% LTV
Interest rate
5.39%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.3%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
3 year Fixed 60% LTV
Interest rate
4.84%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£995
Product/LTV
3 year Fixed 75% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
No
Arrangement fee
£995
Early redemption/partial repayment penalty - 3 Year Fixed Mortgages
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.
Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, 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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
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Our Current 5 Year Fixed Rate Mortgage offers
After expiry of the fixed term (31 July 2030) you'll pay interest at the Homeowner Variable Rate, which at the moment is 7.74%. The Homeowner Variable Rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
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 Eco Home Fixed 90% LTV
Interest rate
4.54%
Followed by the Homeowner Variable Rate
7.74%
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 Fixed 60% LTV
Interest rate
4.94%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£0
Product/LTV
5 year Fixed 75% LTV
Interest rate
5.04%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
No
Arrangement fee
£0
Product/LTV
5 year Fixed 85% LTV
Interest rate
5.24%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.8%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 year Fixed 90% LTV
Interest rate
5.29%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.9%
Free valuation?
Yes
Arrangement fee
£0
Product/LTV
5 year Fixed 60% LTV
Interest rate
4.74%
Followed by the Homeowner Variable Rate
7.74%
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
4.84%
Followed by the Homeowner Variable Rate
7.74%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 6.7%
Free valuation?
No
Arrangement fee
£995
Early redemption/partial repayment penalty - 5 Year Fixed Mortgages
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.
Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, 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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
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Our Current Islands Buy to Let offers
2 Year fixed:
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
5.84%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 8.0%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
2 year Fixed 75% LTV
Interest rate
5.94%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 8.0%
Free valuation?
Yes
Arrangement fee
£995
After expiry of the fixed term (31 July 2027) you'll pay interest at the Buy to Let Standard Variable Rate, which at the moment is 8.09%. The Buy to Let Standard Variable rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
Early redemption/partial repayment penalty - 2 Year Fixed Mortgages
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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
5 year fixed:
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
5.44%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
Yes
Arrangement fee
£995
Product/LTV
5 year Fixed 75% LTV
Interest rate
5.54%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.2%
Free valuation?
Yes
Arrangement fee
£995
After expiry of the fixed term (31 July 2030) you'll pay interest at the Buy to Let Standard Variable Rate, which at the moment is 8.09%. The Buy to Let Standard Variable rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
Early redemption/partial repayment penalty - 5 Year Fixed Mortgages
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.
Buy to Let Standard Variable Rate
On maturity of your Fixed Rate mortgage, 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.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
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Our Current UK Buy to Let offers
2 Year fixed:
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
6.80%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 8.2%
Free valuation?
No
Arrangement fee
£995
Product/LTV
2 year Fixed 75% LTV
Interest rate
7.03%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 8.2%
Free valuation?
No
Arrangement fee
£995
After expiry of the fixed term (31 July 2027) you'll pay interest at the UK Buy to Let Standard Variable Rate, which at the moment is 8.09%. The UK Buy to Let Standard Variable rate is variable.
The APR* shown in the tables below is typical for a mortgage of £200,000 over 25 years on a Captial and Interest repayment basis.
Early redemption/partial repayment penalty - 2 Year Fixed Mortgages
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.
5 year fixed:
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
6.15%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.5%
Free valuation?
No
Arrangement fee
£995
Product/LTV
5 year Fixed 75% LTV
Interest rate
6.27%
Followed by the Homeowner Variable Rate
8.09%
Overall cost for comparison, based on a capital and interest repayment basis
APR* 7.6%
Free valuation?
No
Arrangement fee
£995
After expiry of the fixed term (31 July 2030) you'll pay interest at the UK Buy to Let Standard Variable Rate, which at the moment is 8.09%. The UK Buy to Let Standard Variable rate is variable.
The APR* shown in the table is typical for a mortgage of £200,000 over 25 years on a Capital and Interest repayment basis.
Early redemption/partial repayment penalty - 5 Year Fixed Mortgages
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.
UK Buy to Let Standard Variable Rate
On maturity of your Fixed Rate mortgage, your interest rate will switch to your UK Buy to Let Standard Variable Rate (UKBTL SVR) when your current term expires. The UKBTL SVR could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.
*APR stands for Annual Percentage Rate
LTV stands for Loan to Value
Our mortgage 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
Residential
Example 1
A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 5.24% followed by our Homeowner Variable Rate of 7.74% for the remaining 20 years would require 60 monthly payments of £1,197.32 and 240 monthly payments of £1,458.81. The total amount payable would be £421,953.60 made up of the loan amount of £200,000 plus interest of £221,953.60 The valuation fee is waived and there is no Agreement Fee payable in this representative example. The overall cost for comparison is 6.8% APRC representative
Example 2
A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 4.84% followed by our Homeowner Variable Rate of 7.74% for the remaining 20 years would require 60 monthly payments of £1,156.34 and 240 monthly payments of £1,456.78. The total amount payable would be £420,002.60 made up of the loan amount of £200,000 interest of £219,007.60 and an arrangement fee of £995. The valuation fee is waived in this representative example. The overall cost for comparison is 6.7% APRC representative
Buy to Let
A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 5.44% followed by our Buy to Let Standard Variable Rate of 8.09% for the remaining 20 years would require 60 monthly payments of £1,227.09 and 240 monthly payments of £1,509.53. The total amount payable would be £436,907.60 made up of the loan amount of £200,000 interest of £235,912.60 and an arrangement fee of £995. The valuation fee is waived in this representative example. The overall cost for comparison is 7.2% APRC representative
*APR stands for Annual Percentage Rate
What is a representative example?
This is an example of a typical Capital and Interest repayment mortgage and its total cost.
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.