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Mortgages / Island Mortgages
Choosing the right way to repay.
Whatever your reason for needing a new mortgage we’ll help you decide which type of repayment option will work for you. Our fixed rate mortgages mean your payments will stay the same each month during the fixed period (usually two, three or five years). So you can budget in peace of mind, knowing that your payments will stay the same whatever happens to interest rates generally. Our tracker mortgage rates move in line with the Bank of England base rate (within one month). So depending on the movement of the base rate, your interest rate could go up or down at any time.
Lending is at the bank's discretion. How much we lend, the rate available to you and the issue of a mortgage is subject to our assessment of your circumstances. You must be 18 or over and resident in the Channel islands or Isle of Man to apply.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR
Lending is at the Bank’s discretion and you must be 18 or over and resident in the Channel Islands or Isle of Man to apply. Security will be required.
Interest rates are correct as from 1st February 2017
For mortgages taken before 1st February 2011 you will pay interest at the Lloyds Bank International Banking Mortgage Rate, which is variable, from the date after expiry of the fixed term. For mortgages taken on or after 1st February 2011 you pay interest at the Homeowner Variable Rate, which is variable, from the date after expiry of the fixed term. The arrangement fee shown is payable before we formally offer a mortgage to you. The arrangement fee is waived in full for Premier customers and will be refunded on completion for first time buyers. You must be 18 or over to apply. The APR (Annual Percentage Rate) shown is typical for a mortgage of £200,000 over 25 years. For above fixed rate offers apply by 31st March 2017.
*All applicants must pay their mortgage valuation fees as part of the application process. If the mortgage is a "Valuation Free" product, the valuation fee must still be paid by the applicant(s) but this will be refunded when the mortgage funds are released. Please note that if any mortgage application is declined or withdrawn by the applicant(s) the fee will not be refunded.
Interest rates are variable. With a tracker mortgage, the interest rate will be linked to the Bank of England's Base Rate. The rate will be recalculated within one month following any change in the Base Rate. For mortgages taken before 1st February 2011 you pay interest at the Lloyds Bank International Banking Mortgage Rate, which is variable, from the date after expiry of the term of the tracker (if any). For mortgages taken on or after 1st February 2011, you pay interest at the Homeowner Variable Rate, which is variable, from the date after expiry of the term of the tracker (if any).
You must pay your own legal fees and any fees we incur while setting up your mortgage.
The early repayment charge will be 1 month's interest for every whole or part year of the Fixed Rate period outstanding. The minimum charge will be 3 months.
You will need to pay these fees as necessary:
You must be 18 or over in order to take out any lending with Lloyds Bank. This includes mortgages, loans, overdrafts and credit cards.
There are numerous charges and fees that come with buying a house. You will be charged some of these by the lender, such as an arrangement fee, where as other charges will take the form of legal and valuation costs which are not charged by the lender. The charges and fees section in the website will give you an idea of the types of charges you may incur.
Unfortunately we cannot guarantee everyone will be approved for a mortgage. How much we lend and the issue of a loan is subject to our assessment of your circumstances.
For Jersey residents please call 01534 845155, Isle of Man residents 01624 697113, Guernsey residents 01481 706317 or Alderney residents 01481 822340.
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© Copyright 2015 Lloyds Bank International
Our products and services are offered by Lloyds Bank International Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.
Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.
Lloyds Bank International Limited. Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.
The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.
The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.
Lloyds Bank International Limited is a Jersey registered company that is a wholly owned subsidiary of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited places funds with Lloyds Bank plc and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and its parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements at http://international.lloydsbank.com/legal-information/
Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.