We understand that every homeowner’s journey is unique. That’s why we offer Repayment Mortgages to help you achieve your financial goals while securing the property of your dreams.
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A repayment mortgage is designed to gradually repay both the interest and the capital (the original loan amount) over the term of the mortgage. By the end of the term, you’ll have fully repaid the loan and will own your property outright - provided all payments are made as scheduled.
| Monthly Payments | Loan Reduction | Full Repayment |
| Each monthly payment includes a portion for the interest and a portion for the capital repayment. | As time progresses, the balance of the mortgage decreases because you’re paying off the capital (loan amount). | At the end of the mortgage term the loan will be completely repaid, and you will fully own the property. |
A Fixed Rate repayment mortgage ensures that your interest rate remains constant throughout the agreed term, providing stability and predictability. This means:
✔️ Your monthly repayments stay the same, regardless of changes in market interest rates.
✔️ It is ideal for those who prefer consistent payments, making it easier to budget and plan ahead.
Find out more about our 60% - 95% loan-to-value (LTV) mortgage products and interest rates by clicking here
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We’re here to guide you, helping you lay down roots in a place to call your own.
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Our mortgage solutions are designed to make your move seamless, whether you’re upsizing, downsizing, or moving for a fresh start.
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It’s an opportunity to potentially lower your repayments, borrow more, or adjust your mortgage term to suit your evolving needs.
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If you need extra funds for home improvements or other personal reasons, we’re here to discuss.
Whether you prefer a phone call, email, or in-person visit, we’re here to help make your dream home a reality.
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Come and talk to our team in branch at:
Conister Bank Limited, Clarendon House, Victoria Street,
Douglas, Isle of Man, IM1 2LN
We are open Mon to Thurs 9am - 5:30pm, Fri 9am - 5pm