If your company or your clients are planning to buy residential property in the Channel Islands, Isle of Man or the UK, we offer a wide range of mortgages with competitive interest rates.

We offer both residential owner-occupied mortgages and residential investment property loans. After establishing what you’d like to achieve, our expert advisers will help you through the application process.

Residential owner-occupied mortgage

Designed for special purpose vehicle (SPV) borrowers, these mortgages offer flexible property financing for new asset purchase, re-financing of existing properties and, or, equity release. Key features include:

  • Up to 85% lending value percentage, subject to location and value
  • Interest-only or repayment options for properties in the UK, Channel Islands and Isle of Man
  • Straightforward application process and an early decision.

Residential Investment Property Loan

For individual or SPV borrowers, our loans are designed to support asset acquisition or to help leverage or diversify investments. Key features include:

  • Up to 65% loan to value ratio, subject to location and value
  • Available for single properties or portfolios in the UK, Channel Islands and Isle of Man
  • Interest-only or repayment options.

Both product types carry terms and conditions, such as the requirement for a licence to occupy or a mandate of rental income. Lending fees and borrowing costs apply, and early repayment may incur additional charges.

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