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At Trusted Novus Bank, we understand that buying a property is one of the most important financial decisions you will ever make and we are here to help.

We recommend that you come and talk to us at an early stage, perhaps even before you have found the property in order to see what you might be able to afford. This may help you in finding the right property.

How much can I borrow?

Work out the maximum amount you may be able to borrow based on your income.

Click here to calculate

NOTE: This 'calculator' is intended as a 'guidance' tool only. The Bank will review all documents/information provided before making an accurate Mortgage Offer.

Only applies to properties up to GBP 1million. Contact the mortgage team for any properties above GBP 1million.

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Summary

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The maximum loan amount which the Bank can advance is up to 85% of the purchase price or of a mandatory valuation, whichever is the lowest value.

Your request will be sent to the Mortgage Team. They'll get back to you within 3 working days to arrange an appointment. Contact details for one applicant only required. 

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Need a mortgage?

Complete the form and we will get back to you shortly.

Click here to contact us

Mandatory fields are marked with (*)

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As you are not a resident in Gibraltar, we could discuss the possibilities of a buy-to-let mortgage.

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Thank you for contacting us. Unfortunately however, we are unable to assist you.

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Mortgage products

The Fixed Mortgage aims to help you as your rate will not be affected by rising or falling interest rates for a set period of time... Read more 

The Flex Mortgage aims to help stabilise and manage your mortgage efficiently. This means if you are looking for a mortgage with a set margin... Read more 

The Advantage Mortgage aims to help with the early years of your mortgage payments by providing you with a discounted initial interest rate. Read more

Our Buy-To-Let Mortgage solution is aimed at the Gibraltar residential rental market and primarily for investors with previous experience in the property market and looking to expand their property portfolio. Read more

What we offer

We can provide you with a mortgage to purchase your own home, a home for your dependants, or to release equity against your existing property. An equity release can be used for home improvement, the purchase of other assets and for personal use as approved by the Bank.

Our mortgage solutions are available on a maximum LTV of 85%, with competitive and personalised interest rates.

Read more

Key stages in the process

Your mortgage process doesn't have to be complicated, our easy to follow illustrations are here to guide you on the steps.

Some of the key steps which you can expect in the mortgage process. Read more

Be prepared for your mortgage meeting by ensuring you know what we ask from you. Read more

Payment difficulties?

At Trusted Novus Bank, we understand that circumstances can change and if they do, you can come and talk to us. Our goal is to understand and resolve any payment difficulties you may experience.

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Summary of key terms

Understanding mortgage terminology like LTV, equity and Interest Rate is essential when purchasing your property. To help, here’s our Summary of key terms with some of the most common mortgage terms you are likely to encounter as go through your mortgage journey.

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Meet the team

At Trusted Novus Bank, we understand the importance of having the correct team helping you every step of the way. Collectively our team of Mortgage Planners have over 25 years of mortgage experience.

Click here to meet them

Mortgage Calculator

Check out our mortgage calculator to find out how your payments will look based on the type of mortgage and the length of the loan.

Click here to access

Reference rate
The reference rate for our sterling variable rate mortgage is based on the Bank of England base rate which is currently 5.25%. The Bank of England base rate is also published on the Bank of England's website