Buying a home

The range of mortgages
you've been looking for

Your home may be repossessed if you do not keep up
repayments on a mortgage or other loan secured on it

You already know that the Channel Islands and Isle of Man are some of the most wonderful places to live. Now discover how our mortgages could make the most of your income - to buy the home you've been looking for.

MortgageInitial interest rateFollow on rateOverall cost for comparisonLoan to ValueOther information
2 Year Base Rate Tracker2.99% variable
tracks BoE Base Rate +2.49% until 30/03/2012
4% variable3.1% APRup to 60% property value
  • Arrangement fee £799
  • Minimum loan £50,000
  • An early repayment charge of 3% until 30/03/2012 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

2 Year Base Rate Tracker3.19% variable
tracks BoE Base Rate +2.69% until 30/03/2012
4% variable3.3% APRup to 70% property value
  • Arrangement fee £799
  • Minimum loan £50,000
  • An early repayment charge of 3% until 30/03/2012 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

2 Year Base Rate Tracker3.49% variable
tracks BoE Base Rate +2.99% until 30/03/2012
4% variable3.6% APRup to 85% property value
  • Arrangement fee £799
  • Minimum loan £50,000
  • An early repayment charge of 3% until 30/03/2012 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

3 Year Base Rate Tracker3.09% variable
tracks BoE Base Rate +2.59% until 29/03/2013
4% variable3.2% APRup to 60% property value
  • Arrangement fee £999
  • Minimum loan £50,000
  • An early repayment charge of 3% until 29/03/2013 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

3 Year Base Rate Tracker3.29% variable
tracks BoE Base Rate +2.79% until 29/03/2013
4% variable3.4% APRup to 70% property value
  • Arrangement fee £999
  • Minimum loan £50,000
  • An early repayment charge of 3% until 29/03/2013 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

3 Year Base Rate Tracker3.59% variable
tracks BoE Base Rate +3.09% until 29/03/2013
4% variable3.7% APRup to 85% property value
  • Arrangement fee £999
  • Minimum loan £50,000
  • Drawdown fee £30
  • An early repayment charge of 3% until 29/03/2013 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal

Lifestyle Mortgage3.99% variable
tracks BoE Base Rate +3.49%		N/A4.1% APRup to 75% property value
  • Arrangement fee 1% of loan amount
  • Minimum loan £100,000
  • Drawdown fee £30
  • Minimum salary criteria apply, please contact us for details.
  • Arrangement fee - 1.00% of borrowing limit (Minimum £999 - Maximum £9,999)
  • No early repayment charges

2 Year Fixed Rate Mortgage3.99% fixed
 until 30/03/2012
4% variable4.1% APRup to 60% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 30/03/2012
  • Minimum loan £30,000
  • Drawdown fee £30

2 Year Fixed Rate Mortgage4.99% fixed
 until 30/03/2012
4% variable5.1% APRup to 85% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 30/03/2012
  • Minimum loan £30,000
  • Drawdown fee £30

3 Year Fixed Rate Mortgage4.69% fixed
 until 29/03/2013
4% variable4.8% APRup to 60% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 29/03/2013
  • Minimum loan £30,000
  • Drawdown fee £30

3 Year Fixed Rate Mortgage5.49% fixed
 until 29/03/2013
4% variable5.7% APRup to 85% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 29/03/2013
  • Minimum loan £30,000
  • Drawdown fee £30

5 Year Fixed Rate Mortgage5.48% fixed
 until 31/03/2015
4% variable5.6% APRup to 60% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/03/2011
    • 4% until 30/03/2012
    • 3% until 31/03/2015
  • Minimum loan £30,000
  • Drawdown fee £30

5 Year Fixed Rate Mortgage5.98% fixed
 until 31/03/2015
4% variable6.2% APRup to 85% property value
  • Arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/03/2011
    • 4% until 30/03/2012
    • 3% until 31/03/2015
  • Minimum loan £30,000
  • Drawdown fee £30


Fixed rate mortgages

Due to limited supply fixed rates are offered on a first come first served basis, therefore the Bank reserves the right to withdraw the rates offered above.

Important information

The Bank will require a valuation to be undertaken by a Bank appointed and approved valuer, the cost of which will be met by the customer. For further information on the Bank's valuation fee scale, please contact us directly using one of the options in the 'contact us' section above.

RBS International reserve the right to withdraw our fixed rates without notice.

Please ensure you read the legal information which covers
your use of this website