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Island mortgage calculator
Buying a home in Jersey, Guernsey or the Isle of Man? Use our calculator to estimate your monthly mortgage payments and explore mortgages from 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
Select an interest rate from the tables and enter your details into the calculator to get an estimate of your monthly repayments.
Your estimate is based on the interest rate and term you choose. It does not include any changes to your interest rate after that term ends, so your future repayments could be different.
Enter borrowing details:
Repayment:
Monthly payment
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Total amount payable
##reptotal##
Interest only:
Monthly payment
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Total amount payable
##iotot##
Ready to apply?
One of our mortgage arrangers will be happy to discuss your options with you.
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 03 August 2026 - Apply before the 30 November 2026
-
See the variable rates section for information about the follow-on rate.
Product
Loan to Value (LTV)
Initial rate
Overall cost for comparison (APR)
Free valuation
Arrangement fee
Product
3 Year Fixed 5% Deposit
Loan to Value (LTV)
95%
Initial rate
5.30%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Fixed 5% Deposit
Loan to Value (LTV)
95%
Initial rate
5.74%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£0
-
See the variable rates section for information about the follow-on rate.
Product
Loan to Value (LTV)
Interest margin above base rate
Initial rate
Overall cost for comparison (APR)
Free valuation
Arrangement fee
Product
2 year Eco Tracker
Loan to Value (LTV)
85%
Interest margin above base rate
0.65%
Initial rate
4.40%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£995
Product
2 Year Eco Home Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
4.69%
Overall cost for comparison (APR)
6.7%
Free valuation
No
Arrangement fee
£0
Product
3 Year Eco Home Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
4.69%
Overall cost for comparison (APR)
6.5%
Free valuation
No
Arrangement fee
£0
Product
5 Year Eco Home Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
4.74%
Overall cost for comparison (APR)
6.1%
Free valuation
No
Arrangement fee
£0
-
See the variable rates section for information about the follow-on rate
Loan to Value (LTV)
Loan to Value (LTV) Product
Loan to Value (LTV)
Interest margin above base rate
Initial rate
Overall cost for comparison (APR)
Free valuation
Arrangement fee
Product
2 Year Tracker
Loan to Value (LTV)
60%
Interest margin above base rate
0.75%
Initial rate
4.50%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£995
Product
2 Year Tracker
Loan to Value (LTV)
75%
Interest margin above base rate
0.75%
Initial rate
4.50%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£995
Product
2 Year Tracker
Loan to Value (LTV)
85%
Interest margin above base rate
1.00%
Initial rate
4.75%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Tracker
Loan to Value (LTV)
90%
Interest margin above base rate
1.50%
Initial rate
5.25%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.89%
Overall cost for comparison (APR)
6.8%
Free valuation
No
Arrangement fee
£0
Product
2 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.8%
Free valuation
No
Arrangement fee
£0
Product
2 Year Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£0
Product
2 Year Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
5.25%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£0
Product
2 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.79%
Overall cost for comparison (APR)
6.8%
Free valuation
No
Arrangement fee
£995
Product
2 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.8%
Free valuation
No
Arrangement fee
£995
Product
2 Year Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£995
Product
3 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.89%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£0
Product
3 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£0
Product
3 Year Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£0
Product
3 Year Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
5.20%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£0
Product
3 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.79%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£995
Product
3 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.6%
Free valuation
No
Arrangement fee
£995
Product
5 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.3%
Free valuation
No
Arrangement fee
£0
Product
5 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
5.14%
Overall cost for comparison (APR)
6.4%
Free valuation
No
Arrangement fee
£0
Product
5 Year Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
5.24%
Overall cost for comparison (APR)
6.4%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Fixed
Loan to Value (LTV)
90%
Interest margin above base rate
Not applicable
Initial rate
5.29%
Overall cost for comparison (APR)
6.4%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.2%
Free valuation
No
Arrangement fee
£995
Product
5 Year Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
5.04%
Overall cost for comparison (APR)
6.3%
Free valuation
No
Arrangement fee
£995
-
See the variable rates section for information about the follow-on rate.
Loan to Value (LTV)
Loan to Value (LTV) Product
Loan to Value (LTV)
Interest margin above base rate
Initial rate
Overall cost for comparison (APR)
Free valuation
Arrangement fee
Product
2 Year Premium Tracker
Loan to Value (LTV)
60%
Interest margin above base rate
0.65%
Initial rate
4.40%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Premium Tracker
Loan to Value (LTV)
75%
Interest margin above base rate
0.65%
Initial rate
4.40%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Premium Tracker
Loan to Value (LTV)
85%
Interest margin above base rate
0.90%
Initial rate
4.65%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Premium Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.79%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£0
Product
2 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£0
Product
2 Year Premium Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.8%
Free valuation
Yes
Arrangement fee
£0
Product
2 Year Premium Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.69%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.74%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year Premium Fixe
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.74%
Overall cost for comparison (APR)
6.7%
Free valuation
Yes
Arrangement fee
£995
Product
3 Year Premium Fixe
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.79%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£0
Product
3 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£0
Product
3 Year Premium Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.6%
Free valuation
Yes
Arrangement fee
£0
Product
3 Year Premium Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.69%
Overall cost for comparison (APR)
6.5%
Free valuation
Yes
Arrangement fee
£995
Product
3 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.74%
Overall cost for comparison (APR)
6.5%
Free valuation
Yes
Arrangement fee
£995
Product
5 Year Premium Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.84%
Overall cost for comparison (APR)
6.2%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
5.04%
Overall cost for comparison (APR)
6.3%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Premium Fixed
Loan to Value (LTV)
85%
Interest margin above base rate
Not applicable
Initial rate
5.14%
Overall cost for comparison (APR)
6.4%
Free valuation
Yes
Arrangement fee
£0
Product
5 Year Premium Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.74%
Overall cost for comparison (APR)
6.2%
Free valuation
Yes
Arrangement fee
£995
Product
5 Year Premium Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.94%
Overall cost for comparison (APR)
6.3%
Free valuation
Yes
Arrangement fee
£995
-
See the variable rates section for information about the follow-on rate.
Product
Loan to Value (LTV)
Interest margin above base rate
Initial rate
Overall cost for comparison (APR)
Free valuation
Arrangement fee
Product
2 Year BTL Tracker
Loan to Value (LTV)
60%
Interest margin above base rate
1.25%
Initial rate
5.00%
Overall cost for comparison (APR)
7.1%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year BTL Tracker
Loan to Value (LTV)
75%
Interest margin above base rate
1.30%
Initial rate
5.05%
Overall cost for comparison (APR)
7.1%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year BTL Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
5.00%
Overall cost for comparison (APR)
7.0%
Free valuation
Yes
Arrangement fee
£995
Product
2 Year BTL Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
5.10%
Overall cost for comparison (APR)
7.1%
Free valuation
Yes
Arrangement fee
£995
Product
5 Year BTL Fixed
Loan to Value (LTV)
60%
Interest margin above base rate
Not applicable
Initial rate
4.90%
Overall cost for comparison (APR)
6.4%
Free valuation
Yes
Arrangement fee
£995
Product
5 Year BTL Fixed
Loan to Value (LTV)
75%
Interest margin above base rate
Not applicable
Initial rate
4.99%
Overall cost for comparison (APR)
6.5%
Free valuation
Yes
Arrangement fee
£995
Representative examples
If you borrow £200,000 over 25 years, your mortgage will start with a fixed interest rate of 5.24% for the first 5 years. During this time, your monthly payments will be £1,197.32. After that, the rate changes to our Homeowner Variable Rate of 6.99% for the remaining 20 years, with monthly payments of £1,377.66.
In total, you’ll pay £402,477.60. This includes the loan amount, £202,477.60 in interest, the valuation fee is waived and there is no Agreement Fee payable in this representative example. The overall cost for comparison is 6.4% 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.
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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.