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Mortgage products and rates

Warning:THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

2 year Fixed Rate

Initial rate fixed up to and inc. 31/03/19Then our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
3.09% 5.94%5.6%75%£999
Max loan amount £500,000
3.49% 5.94%5.8%80%£999
Max loan amount £500,000
4.79%*†5.94%5.9%85%£199
Fees Assisted / Max loan amount £500,000 / £940 Cashback upon completion
RATES CORRECT AS AT 07 OCT 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £94,000.00 payable over 25 years initially on a fixed rate for 2 years at 4.79% and then on our current Gibraltar Variable Rate of 5.94% (variable) for the remaining 23 years would require 24 monthly payments of £537.54 and 276 monthly payments of £597.48.

The total amount payable would be £178,040.32 made up of the loan amount plus interest of £83,806.32 and booking fee £0, product arrangement fee £199, valuation fee £0.

The overall cost for comparison is 5.9% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Mar 2019.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

† 1% cashback on completion (maximum £1,000)
* Free standard valuation up to £999.

3 year Fixed Rate

Initial rate fixed up to and inc. 31/03/20Then our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
2.89% 5.94%5.4%60%£999
Max loan amount £500,000
RATES CORRECT AS AT 07 OCT 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £67,000.00 payable over 25 years initially on a fixed rate for 3 years at 2.89% and then on our current Gibraltar Variable Rate of 5.94% (variable) for the remaining 22 years would require 36 monthly payments of £313.65 and 264 monthly payments of £415.89.

The total amount payable would be £122,349.81 made up of the loan amount plus interest of £54,085.81 and booking fee £0, product arrangement fee £999, valuation fee £230.

The overall cost for comparison is 5.4% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Mar 2020.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

5 year Fixed Rate

Initial rate fixed up to and inc. 31/03/22Then our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVFees
3.99% 5.94%5.3%80%£999
Max loan amount £500,000
RATES CORRECT AS AT 07 OCT 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 5 years at 3.99% and then on our current Gibraltar Variable Rate of 5.94% (variable) for the remaining 20 years would require 60 monthly payments of £948.22 and 240 monthly payments of £1,116.40.

The total amount payable would be £326,167.98 made up of the loan amount plus interest of £144,828.98 and booking fee £0, product arrangement fee £999, valuation fee £305.

The overall cost for comparison is 5.3% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Mar 2022.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

2 year Discounted Rate

Initial rate variable for the first 2 years, (currently)TermsThen our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
2.54% The Society's SVR less 3.40%5.94%5.8%80%£999
Max loan amount £500,000
RATES CORRECT AS AT 1 SEP 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £140,000 payable over 25 years initially on a 3.4% discount on our current Gibraltar Variable Rate of 5.94% for 2 years and then on our current Gibraltar Variable Rate of 5.94% for the remaining 23 years would require 24 monthly payments of £630.43 and 276 monthly payments of £875.67 .

The total amount payable would be £258,119.76 made up of the loan amount plus interest of £116,815.76 and booking fee £0, product arrangement fee £999, valuation fee £270.

The overall cost for comparison is 6.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply for the first 2 years.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

Gibraltar Variable Rate

The Society's Gibraltar Variable Rate applies for the term of the mortgage (currently)Overall cost for comparison (APRC)Max LTV
5.94%6.6%85%
Max loan amount £60,000
RATES CORRECT AS AT 1 SEP 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £60,000 payable over 25 years on our Gibraltar Variable Rate for the mortgage term of 25 years at our current rate of 5.94% (variable) would require 300 monthly payments of £370.57.

The total amount payable would be £111,206.13 made up of the loan amount plus interest of £51,170.13 and booking fee £0, product arrangement fee £0, valuation fee £1.

The overall cost for comparison is 5.9% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • Unlimited capital repayments are allowed.
  • Interest is calculated daily

3 year Shared Ownership Fixed Rate

Initial rate fixed up to and inc. 31/03/20Then our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Arrangement Fee
5.19% 5.94%5.9%75%75%£499
Max loan amount £500,000
5.59% 5.94%6.1%75%75%£499
Max loan amount £500,000
RATES CORRECT AS AT 07 OCT 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £54,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.59% and then on our current Gibraltar Variable Rate of 5.94% (variable) for the remaining 22 years would require 36 monthly payments of £334.17 and 264 monthly payments of £344.54.

The total amount payable would be £103,753.97 made up of the loan amount plus interest of £48,989.97 and booking fee £0, product arrangement fee £499, valuation fee £230.

The overall cost for comparison is 6.1% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Mar 2020.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

3 year Right to Buy Fixed Rate

Initial rate fixed up to and inc. 31/03/20Then our Gibraltar Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
5.79% 5.94%6.2%85%£999
Max loan amount £500,000
RATES CORRECT AS AT 07 OCT 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £140,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.79% and then on our current Gibraltar Variable Rate of 5.94% (variable) for the remaining 22 years would require 36 monthly payments of £883.22 and 264 monthly payments of £894.82.

The total amount payable would be £269,331.86 made up of the loan amount plus interest of £128,027.86 and booking fee £0, product arrangement fee £999, valuation fee £270.

The overall cost for comparison is 6.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

The product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Only available for Right to Buy applications up to 100% of the discounted purchase price.
  • Tapered Early Repayment Charges apply up to and including 31 Mar 2020.
  • Maximum Loan amount £500,000
  • Interest is calculated daily

Would you like to apply for a mortgage?

Please visit the Gibraltar branch or call us on (00350) 200 50602