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Welcome

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Mortgages for first time buyers

Buying your first home

To apply you must be 18+ and resident in the Isle of Man. Your home may be repossessed if you do not keep up repayments on your mortgage.

Helping you take the first step on to the property ladder

Borrow up to 90% of the property value

With a 10% deposit you can borrow up to 90% of the value of the property you wish to purchase.

Zero product fee options

We have a range of mortgages available, some with no product fees.

Online tools to help you budget

Our mortgage calculator and mortgage rate finder will help you decide how much you can afford in as little as 10 minutes.

Get started with our mortgage calculators...

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Find out how much you could borrow

Before you start looking at properties you need to know how much you could borrow. Our simple calculator will give you an indication.
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Compare our rates and repayments

Find out what your monthly repayments could be with our range of mortgages and interest rates. It only takes 2 minutes.

Help and guides

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A guide to buying a home

From rates to moving, our guide to getting a mortgage will help you understand the key steps to buying a home.
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Jargon buster

Let us take the mystery out of mortgages by explaining a list of key terms and phrases you might come across on your journey.
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Common questions

A list of the most frequently asked questions about mortgages and where to find extra support when you need it.

Contact us about a mortgage

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Request a Call Back

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Phone the Mortgage Team