Isle of Man's Best Mortgage Rates
See the most competitive mortgage rates available in Isle of Man right now. Our data is updated daily from local lenders.
Categories
Buying: Competitive rates for those purchasing a property in Isle of Man.
Remortgage: Switch your existing mortgage and potentially save money with a better rate.
Buy-to-Let: Investment property mortgages for landlords.
What Affects the Rate You Get
The lowest headline rate is not always the cheapest mortgage. Your loan-to-value, term length, choice of fixed or variable rate, and any arrangement fees all change the true cost. Borrowers with a larger deposit and lower loan-to-value typically access the most competitive rates in Isle of Man.
How to Compare Rates the Right Way
Always look beyond the rate to the overall cost over the deal period, including arrangement fees, valuation fees and any cashback, so an eye-catching rate with a large fee does not cost you more than a slightly higher rate with no fee.
Today's lowest mortgage rates in Isle of Man
| Lender | Product | Rate type | Initial rate | APRC | Initial term | Max LTV | Min deposit | Fees |
|---|---|---|---|---|---|---|---|---|
| Lloyds International | 2 Year Eco Tracker | Tracker | 4.30% | 6.60% | 2-year | 85% | 15% | £995 arrangement fee |
| Lloyds International | 2 Year Premium Tracker | Tracker | 4.40% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.49% | 4.60% | — | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.50% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.55% | 4.70% | — | 70% | 30% | £999 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.55% | 4.70% | — | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.64% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed, Eco Home | Fixed | 4.64% | 6.10% | 5-year | 90% | 10% | No arrangement fee |
| Lloyds International | 2 Year Fixed, Eco Home | Fixed | 4.64% | 6.70% | 2-year | 90% | 10% | No arrangement fee |
| Lloyds International | 3 Year Premium Tracker | Tracker | 4.65% | 6.70% | 3-year | 85% | 15% | £995 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.69% | 4.80% | — | 80% | 20% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard (Remortgage) | Fixed | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.69% | 6.10% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Premier Standard (Remortgage) | Tracker | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Premier Standard (Remortgage) | Tracker | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Standard (Remortgage) | Tracker | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard (Remortgage) | Fixed | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.74% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.74% | 5.70% | 5-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.74% | 5.90% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.74% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 4.74% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.75% | 6.70% | 2-year | 85% | 15% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Fee Saver (Remortgage) | Fixed | 4.79% | 6.10% | 2-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.79% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.79% | 6.70% | 2-year | 75% | 25% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Standard (Remortgage) | Tracker | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 4.79% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 3 Year Fixed, Eco Home | Fixed | 4.79% | 6.50% | 3-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.79% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard (Remortgage) | Fixed | 4.79% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.79% | 5.90% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Standard (Remortgage) | Fixed | 4.79% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.79% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Premier Fee Saver (Remortgage) | Fixed | 4.84% | 5.70% | 5-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.84% | 6.70% | 2-year | 85% | 15% | £995 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| Santander International | Lifetime Tracker (fee free) | Tracker | 4.84% | 5.00% | — | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard (Remortgage) | Fixed | 4.84% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard (Remortgage) | Fixed | 4.84% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 4.84% | 6.30% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 4.84% | 6.60% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.84% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 4.84% | 6.30% | 5-year | 60% | 40% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.84% | 5.70% | 5-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Standard (Remortgage) | Fixed | 4.84% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Fee Saver (Remortgage) | Fixed | 4.84% | 6.10% | 2-year | 75% | 25% | No arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 4.84% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.84% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 4.84% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.84% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |