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 Bank International.

This calculator is designed for customers living in the Channel Islands or the Isle of Man.

Information on our mortgages for customers in the United Kingdom

Our current Residential and Buy to Let mortgage products and interest rates

Apply before the 31 July 2024

  • 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 July 2026) you'll pay interest at the Homeowner Variable Rate, which at the moment is 8.49%. 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.

    With £995 arrangement fee:

    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?

    Product/LTV

    2 year Fixed 75% LTV

    Interest margin above base rate

    0.50%

    Actual current Interest rate

    5.75%

    Followed by the Homeowner Variable Rate 

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.2%

    Free valuation?

    No

    Product/LTV

    2 year Fixed 85% LTV

    Interest margin above base rate

    0.75%

    Actual current Interest rate

    6.00%

    Followed by the Homeowner Variable Rate 

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.3%

    Free valuation?

    Yes

    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 3rd August 2023.

    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

  • Our Current 2 Year Fixed Rate Mortgage offers

    After expiry of the fixed term (31 July 2026) you'll pay interest at the Homeowner Variable Rate, which at the moment is 8.49%. 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.

    With no arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    2 year Fixed 60% LTV

    Interest rate

    5.59%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.2%

    Free valuation?

    No

    Product/LTV

    2 year Fixed 75% LTV

    Interest rate

    5.69%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.2%

    Free valuation?

    No

    Product/LTV

    2 year Fixed 85% LTV

    Interest rate

    5.89%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.2%

    Free valuation?

    No

    Product/LTV

    2 year Fixed 90% LTV

    Interest rate

    5.99%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.3%

    Free valuation?

    Yes

    Early redemption/partial repayment penalty - 2 Year Fixed Mortgages

    The minimum charge is 90 days’ interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    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

  • Our Current 3 Year Fixed Rate Mortgage offers

    After expiry of the fixed term (31st July 2027) you'll pay interest at the Homeowner Variable Rate, which at the moment is 8.49%. 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.

    With no arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    3 year Fixed 60% LTV

    Interest rate

    5.39%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.8%

    Free valuation?

    No

    Product/LTV

    3 year Fixed 75% LTV

    Interest rate

    5.49%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.9%

    Free valuation?

    No

    Product/LTV

    3 year Fixed 85% LTV

    Interest rate

    5.69%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.9%

    Free valuation?

    Yes

    Product/LTV

    3 year Fixed 90% LTV

    Interest rate

    5.79%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.0%

    Free valuation?

    Yes

    Early redemption/partial repayment penalty - 10 Year Fixed Mortgages

    Thirty days’ interest for every whole or part year remaining of the outstanding Fixed Rate period. The minimum charge is 90 days’ interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    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

  • Our Current 5 Year Fixed Rate Mortgage offers

    After expiry of the fixed term (31 July 2029) you'll pay interest at the Homeowner Variable Rate, which at the moment is 8.49%. 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.

    With no arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    5 year Fixed 60% LTV

    Interest rate

    5.04%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.2%

    Free valuation?

    No

    Product/LTV

    5 year Fixed 75% LTV

    Interest rate

    5.14%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.2%

    Free valuation?

    No

    Product/LTV

    5 year Fixed 85% LTV

    Interest rate

    5.34%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.3%

    Free valuation?

    No

    Product/LTV

    5 year Fixed 90% LTV

    Interest rate

    5.39%

    Followed by the Homeowner Variable Rate

    8.49%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.3%

    Free valuation?

    Yes

    Early redemption/partial repayment penalty - 5 Year Fixed Mortgages

    Thirty days’ interest for every whole or part year remaining of the outstanding Fixed Rate period. The minimum charge is 90 days’ interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    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

  • Our Current Islands Buy to Let offers

    2 Year fixed with £995 arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    2 year Fixed 60% LTV

    Interest rate

    5.84%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.5%

    Free valuation?

    Yes

    Product/LTV

    2 year Fixed 75% LTV

    Interest rate

    5.94%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.5%

    Free valuation?

    Yes

    After expiry of the fixed term (31 July 2026) you'll pay interest at the Buy to Let Standard Variable Rate, which at the moment is 8.84%. 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 minimum charge is 90 days' interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    *APR stands for Annual Percentage Rate

    LTV stands for Loan to Value

    5 year fixed with £995 arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    5 year Fixed 60% LTV

    Interest rate

    5.44%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.6%

    Free valuation?

    Yes

    Product/LTV

    5 year Fixed 75% LTV

    Interest rate

    5.54%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.6%

    Free valuation?

    Yes

    After expiry of the fixed term (31 July 2029) you'll pay interest at the Buy to Let Standard Variable Rate, which at the moment is 8.84%. 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

    Thirty days' interest for every whole or part year remaining of the outstanding Fixed Rate period. The minimum charge is 90 days' interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.Buy to Let Standard Variable Rate

    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

  • Our Current UK Buy to Let offers

    2 Year fixed with £995 arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    2 year Fixed 60% LTV

    Interest rate

    6.80%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.7%

    Free valuation?

    No

    Product/LTV

    2 year Fixed 75% LTV

    Interest rate

    7.03%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 8.8%

    Free valuation?

    No

    After expiry of the fixed term (31 July 2026) you'll pay interest at the UK Buy to Let Standard Variable Rate, which at the moment is 8.84%. 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 minimum charge is 90 days' interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    5 year fixed with £995 arrangement fee:

    Product/LTV

    Interest rate

    Followed by the Homeowner Variable Rate

    Overall cost for comparison, based on a capital and interest repayment basis

    Free valuation?

    Product/LTV

    5 year Fixed 60% LTV

    Interest rate

    6.15%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.9%

    Free valuation?

    No

    Product/LTV

    5 year Fixed 75% LTV

    Interest rate

    6.27%

    Followed by the Homeowner Variable Rate

    8.84%

    Overall cost for comparison, based on a capital and interest repayment basis

    APR* 7.9%

    Free valuation?

    No

    After expiry of the fixed term (31 July 2029) you'll pay interest at the UK Buy to Let Standard Variable Rate, which at the moment is 8.84%. 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

    Thirty days' interest for every whole or part year remaining of the outstanding Fixed Rate period. The minimum charge is 90 days' interest, the maximum charge is 1% of the outstanding principal per full or part year remaining. Maximum of 1.5% in the final year.

    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.

Enter borrowing details:

£

Repayment:

Monthly payment

##repmp##

Total amount payable 

##reptotal##

Interest only:

Monthly payment

##ipm##

Total amount payable 

##iotot##

Note

The figure you see is based on the information you give us. It is not a mortgage offer.

Before we agree a mortgage, we’ll conduct a full credit search and check you meet our lending requirements.

 

Ready to apply?

One of our mortgage arrangers will be happy to discuss your options with you.

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Representative examples

Residential

A mortgage of £200,000 payable over 25 years initially on a Fixed Rate for 5 years of 5.34% followed by our Homeowner Variable Rate of 8.49% for the remaining 20 years would require 60 monthly payments of £1,209.14 and 240 monthly payments of £1,544.53. The total amount payable would be £443,235.60 made up of the loan amount of £200,000 plus interest of £243,235.60 The valuation fee is waived and there is no Agreement Fee payable in this representative example. The overall cost for comparison is 7.3% 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 8.84% for the remaining 20 years would require 60 monthly payments of £1,221.02 and 240 monthly payments of £1,586.62. The total amount payable would be £455,045.00 made up of the loan amount of £200,000 interest of £254,050.00 and an arrangement fee of £995. The valuation fee is waived in this representative example. The overall cost for comparison is 7.6% 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.

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