UK Property Loan

A loan may be provided to persons who are normally resident outside the United Kingdom to assist with the acquisition of a property or for equity release. The Bank will review each client’s assets, liabilities and income statement and may request additional documentation in support of the information provided. The Bank will also review the existing tenancy agreement in cases where the property is already tenanted. Please note, the Bank does not provide owner occupied mortgage facilities, the Bank does provide short term interest only facilities for non- owner occupied properties.

What does it offer me?

Minimum facility:



3 - 5 years


1.5% of facility amount (or 0.5% on any subsequent renewal)

Interest rate

3 year loan: 1 Month LIBOR + 3.65% (per annum)

5 year loan: 1 Month LIBOR + 3.85% (per annum)

Loan to value

Maximum 65% of the purchase price or a professional valuation of the property, whichever is lower

Debit interest

Charged quarterly in arrears

Repayment terms

Interest only

Cash Collateral

A cash deposit equal to six months debit interest is to be held on account with Standard Bank Isle of Man at all times

Property rental

The property must be tenanted and the rental income mandated to the Borrowers account at Standard Bank


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Contact us

Personal Banking

Service Queries

+44 (0) 1624 643643

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General Enquiries

+44 (0) 1624 643623

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+44 (0) 1624 643644

New Clients


+44 (0)1624 643700

South Africa

+27 (0) 860 333 383