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 YOUR MORTGAGE

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 Tracker2.3% variable
tracks Rate +1.80% until 31/01/2014
4.00% variable4.1% APRup to 50% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £500,000
  • Not available for equity release
  • Arrangement fee of 0.10% of the Loan amount applies, subject to minimum fee shown.
  • Drawdown fee of £30

2 Year Base Rate Tracker2.49% variable
tracks BoE Base Rate +1.99% until 31/01/2014
4.00% variable4.1% APRup to 60% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £50,000
  • 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.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.

2 Year Base Rate Tracker3.05% variable
tracks BoE Base Rate +2.55% until 31/01/2014
4.00% variable4.1% APRup to 80% property value
  • Minimum arrangement fee £1,495
  • Minimum loan £50,000
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.
  • Drawdown fee £30.

2 Year Base Rate Tracker3.09% variable
tracks BoE Base Rate +2.59% until 31/01/2014
4.00% variable4.1% APRup to 80% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £50,000
  • Drawdown fee £30.
  • 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.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.

2 Year Base Rate Tracker3.78% variable
tracks BoE Base Rate +3.28% until 31/01/2014
4.00% variable4.1% APRup to 85% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £50,000
  • 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.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.

Lifestyle Mortgage4.59% variable
tracks BoE Base Rate +4.09%		N/A4.8% APRup to 75% property value
  • Minimum arrangement fee £999
  • Minimum loan £100,000
  • No early repayment charges.
  • Drawdown fee £30.
  • Minimum salary criteria apply, please contact us for details.
  • Arrangement fee of 1.00% of the loan amount applies, subject to minimum fee shown.

2 Year Fixed Rate Mortgage3.59% fixed
 until 31/01/2014
4.00% variable4.1% APRup to 60% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £30,000
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.
  • 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.
  • Drawdown fee £30.

2 Year Fixed Rate Mortgage3.99% fixed
 until 31/01/2014
4.00% variable4.1% APRup to 80% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £30,000
  • Drawdown fee £30.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.
  • 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.

2 Year Fixed Rate Mortgage4.79% fixed
 until 31/01/2014
4.00% variable4.9% APRup to 85% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £30,000
  • 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.
  • Drawdown fee £30.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.

5 Year Fixed Rate Mortgage4.59% fixed
 until 31/01/2017
4.00% variable4.7% APRup to 60% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/01/2013
    • 4% until 31/01/2014
    • 3% until 31/01/2017
  • Minimum loan £30,000
  • Drawdown fee £30.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.
  • 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.

5 Year Fixed Rate Mortgage5.19% fixed
 until 31/01/2017
4.00% variable5.3% APRup to 80% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/01/2013
    • 4% until 31/01/2014
    • 3% until 31/01/2017
  • Minimum loan £30,000
  • Drawdown fee £30.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.
  • 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.

5 Year Fixed Rate Mortgage5.78% fixed
 until 31/01/2017
4.00% variable5.9% APRup to 85% property value
  • Minimum arrangement fee £999
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/01/2013
    • 4% until 31/01/2014
    • 3% until 31/01/2017
  • Minimum loan £30,000
  • 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.
  • Drawdown fee £30.
  • Arrangement fee of 0.10% of the loan amount applies, subject to minimum fee shown.


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