Your Next Property,
A Longer-Term View
Borrowing for Gibraltar’s residential rental market, including short-term lets.
Discuss Buy-to-LetThe Essentials
Up to 75%
Loan-to-value, subject to your circumstances.
Up to 20 years
A repayment term assessed individually.
GBP lending
For Gibraltar residential rental property.
Choose How Your Rate Works
Compare the published three-year fixed, five-year fixed and variable products.
Arrangement fee: 1% (negotiable), minimum £999. Maximum mortgage term: 20 years. Valuation and legal fees apply.
Arrangement fee: 1% (negotiable), minimum £999. Maximum mortgage term: 20 years. Valuation and legal fees apply.
Arrangement fee: 1% (negotiable), minimum £999. Maximum term: 20 years. Valuation and legal fees apply. Flex product: no early repayment penalty; £500 administration fee for unscheduled repayments.
Rates shown are for guidance and are subject to change. Fixed rates apply for the stated initial fixed-rate period only. Variable and follow-on rates may rise or fall during the mortgage term. The rates, fees and terms that apply to your mortgage will be set out in your personalised illustration and mortgage offer.
Know What Happens Next
Your Property
Gibraltar Residential Property
Borrowing for the residential rental market, including short-term lets.
Your Next Step
Share the property price, location and your proposed deposit.
Your Borrowing
An Individual Assessment
Standard lending is offered in GBP, up to 75% loan-to-value and up to 20 years, subject to your circumstances.
Your Next Step
Talk through the borrowing amount, income and proposed repayment term.
The Details
A Clear View of the Costs
Review the published product terms, fees and repayment conditions. Request a personalised mortgage illustration before deciding.
Your Next Step
Discuss your deposit, legal costs, valuation and insurance arrangements.
Your Next Conversation
Start With Your Plans
Share your investment plans with the mortgage team and discuss the information needed for an enquiry.
Your Next Step
Bring your questions about the property, borrowing, timing and next steps.
Look Beyond the Purchase
Fees and costs
The fixed-rate arrangement fee is 1% at drawdown, minimum £999. The rate tables describe the fee as negotiable. Bank legal and valuation costs depend on the mortgage and property value; estimates are available on request and loan approval.
Your responsibilities
Budget for your own legal costs, purchase-related taxes and other expenses. Suitable property insurance is a mortgage condition; it is not arranged by TNB and remains your responsibility.
Interest-Only Lending
Applications can be considered individually for professional property investors with letting experience and a substantial portfolio: up to five years and up to 60% loan-to-value.
Your Questions, Answered
View the published mortgage illustration
Five-year fixed, capital-and-interest mortgage. Amount borrowed: £300,000. Loan-to-value: 75%. Term: 20 years; 240 monthly instalments. Arrangement fee: £3,000. Valuation fee: £570. Legal fee: £1,500. Borrowing rate: 6.1%. APRC: 7.3%. Initial payment: £2,166.64. Published total interest: £262,008.40. Published total repayable: £562,008.40. Security: property. These published totals require confirmation by TNB. Request a personalised mortgage illustration before deciding.
Which properties and currency are available?
The product is offered in GBP for Gibraltar residential rental property, including short-term lets. Maximum standard loan-to-value is up to 75% over a maximum of 20 years, subject to individual circumstances.
What information is requested in an enquiry?
Number of applicants, full name, phone, email, purchase price band, initial deposit, annual income before tax, second applicant’s income if applicable, additional information and how you heard about TNB.
How are early or unscheduled repayments treated?
The fixed products carry the early repayment percentages shown in the rate tables. The Flex product lists a £500 administration fee for unscheduled repayments and no early repayment penalty. Confirm the terms of your specific mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Let’s Talk About Your Property
Share your investment plans with the mortgage team and request a personalised illustration.
Enquire About Buy-to-LetUnderstand the Costs
Fees and interest rates, clearly set out.