Your home, your mortgage, your way

Whether you are buying your first home, moving up the ladder, remortgaging to a better deal, or building a buy-to-let portfolio, Nobil Trust Bank has the right mortgage for you, with expert advisers at every step.

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Indicative Rates, Today

First Time Buyer Mortgage 3.25%p.a. fixed

Remortgage 3.05%p.a. fixed

Buy to Let Mortgage 4.15%p.a. fixed

Green Home Mortgage 2.85%p.a. fixed

Rates shown are representative and subject to eligibility. Your actual rate may differ. Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority.

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92%Customer satisfaction score

48 hrsAverage decision in principle

$2.4B+Mortgages completed

30 yrsMaximum lending term

Indicative rate

3.05%

Remortgage, fixed p.a.

Get a decision in principle in minutes

Tell us about your income, deposit and the property you have in mind, and we will give you an instant decision in principle so you can shop with confidence. A dedicated mortgage adviser is on hand at every step, from application through to completion.

Find my mortgage

Mortgage Products

Find the right mortgage for you

We offer a full range of mortgage products designed around the different stages of your property journey, each with transparent rates and no hidden fees.

From 3.25% p.a.

First Time Buyer Mortgage

Taking your first step onto the property ladder is one of life's biggest milestones. We make the process straightforward with low deposit options, competitive fixed rates, and a dedicated adviser who walks with you from the first conversation to the day you collect your keys.

Deposits from 5% of the purchase price
Fixed and variable rate options available
Free mortgage adviser service
Agreement in principle in minutes
No arrangement fee on selected products

Get started

From 3.05% p.a.

Remortgage

If your current deal is coming to an end or you are looking to release equity, switching to Nobil Trust Bank could save you hundreds every month. Our remortgage service is fast, efficient, and designed to make the switch as seamless as possible.

No valuation fee on eligible applications
Free standard legal work included
Switch completed in as little as four weeks
Cashback available on selected products
Rate-matching guarantee on qualifying deals

Switch now

From 4.15% p.a.

Buy to Let Mortgage

Grow your property portfolio with a buy-to-let mortgage built for both new and experienced landlords. We offer interest-only and repayment options with flexible underwriting criteria designed for portfolio investors.

Loan to value up to 75%
Interest only and capital repayment options
Portfolio landlord products available
No minimum income requirement on some products
Dedicated buy to let relationship team

Apply now

From 2.85% p.a.

Green Home Mortgage

Buying or improving an energy-efficient property? Reward yourself with a preferential rate. Our Green Home Mortgage is available on properties with an EPC rating of A or B and comes with an exclusive cashback incentive.

Exclusive green rate discount
EPC A or B properties eligible
Cashback paid on completion
Offset facility available
Option to switch if EPC rating changes

Learn more

From 3.55% p.a.

Shared Ownership Mortgage

Own a share of a home between 25% and 75% and pay subsidised rent on the rest. A government-backed route to homeownership for those who cannot yet afford to buy outright, with the option to staircase to full ownership over time.

Own from 25% of the property value
Staircase to full ownership over time
Eligible on new and resale homes
Deposit as low as 5% of your share
Government-backed scheme

Find out more

From 4.65% p.a.

Self-Build Mortgage

Fund the construction of your dream home with stage-payment releases tied to build milestones. Our specialist self-build team understands the complexities of construction finance and provides dedicated support throughout your build.

Funds released in stages as build progresses
Interest-only during the build phase
Converts to repayment mortgage on completion
Architect and structural survey accepted
UK-wide coverage, rural plots included

Get in touch

The Process

How it works

Applying for a mortgage with Nobil Trust Bank is straightforward. Here is what to expect from enquiry to completion.

Get your Agreement in Principle

Answer a few questions about your income, deposit, and the property you are looking for. We give you an instant decision in principle so you can shop with confidence and show sellers you are serious.

Full mortgage application

Once you have found your property, your dedicated adviser gathers the full documentation, completes the application on your behalf, and submits it to our underwriting team for assessment, typically within 48 hours.

Valuation and offer

We instruct a surveyor to value the property. Once complete, we issue your formal mortgage offer, which you and your solicitor use to proceed to exchange of contracts and, ultimately, completion.

Our average time from application to mortgage offer is 10–14 working days. Ask an adviser →

Why Nobil Trust Bank

Banking that works harder for you

We are not just a rate. We are a team of people committed to helping you own the home you deserve, on terms that are clear and fair.

FSCS Protected

Your savings and deposits are protected up to $85,000 by the Financial Services Compensation Scheme, giving you complete peace of mind.

Fast Decisions

We make lending decisions quickly, agreement in principle within minutes, full mortgage offer in as little as 10 working days from completed application.

Dedicated Adviser

You get a named mortgage adviser who manages your case from start to finish, keeping you updated at every stage and available when you need them.

No Hidden Fees

We are upfront about every cost. No surprise administration fees, no redemption penalties on standard products, and free standard legal work on remortgages.

Our Featured Plans

Current mortgage plans

All rates are fixed and available now. Representative rates, the rate you are offered may differ depending on your circumstances and loan to value.

Mortgage Plan	Interest Rate	Max Term	Loan Range	Repayment
First Time Buyer Mortgage	3.25% p.a.	Up to 30 years	$50,000 – $500,000	Monthly	Apply →
Remortgage	3.05% p.a.	Up to 25 years	$75,000 – $1,000,000	Monthly	Apply →
Buy to Let Mortgage	4.15% p.a.	Up to 25 years	$100,000 – $2,000,000	Monthly	Apply →
Green Home Mortgage	2.85% p.a.	Up to 30 years	$80,000 – $750,000	Monthly	Apply →
Shared Ownership Mortgage	3.55% p.a.	Up to 25 years	$30,000 – $300,000	Monthly	Apply →
Self-Build Mortgage	4.65% p.a.	Up to 25 years	$100,000 – $1,500,000	Monthly	Apply →

Representative example: A repayment mortgage of $200,000 over 25 years at a fixed rate of 3.25% p.a. would have 300 monthly repayments of $972. The total amount payable would be $291,634 including interest of $91,634. This is for illustrative purposes only. Your actual repayments will depend on your loan amount, term, and the rate you are offered.

Common Questions

Mortgage questions answered

Everything you need to know before you apply. If your question is not answered here, our advisers are always happy to help.

The amount you can borrow depends on your income, existing financial commitments, deposit size, and the property value. Most lenders, including Nobil Trust Bank, use an income multiple of 4 to 4.5 times your annual salary as a starting point, though this can be higher for certain professions or incomes. Our advisers will calculate your exact borrowing capacity based on an affordability assessment. Getting an Agreement in Principle takes only a few minutes and will give you a clear figure before you start property hunting.

We offer mortgages with deposits from as low as 5% of the purchase price on our First Time Buyer and residential products. Generally, the larger your deposit, the lower your interest rate, as a smaller loan relative to the property value represents less risk to the lender. A 10–15% deposit typically unlocks significantly better rates. For buy-to-let mortgages, the minimum deposit is usually 25%, though some products require 30%.

A fixed rate mortgage locks your interest rate for an agreed period, typically 2, 5, or 10 years, so your monthly repayments stay the same regardless of what happens to the Bank of England base rate. This gives you certainty and makes budgeting easier. A variable rate mortgage (including tracker and standard variable rate mortgages) can go up or down in line with interest rate movements, meaning your repayments may change month to month. Variable rates can sometimes be lower initially but carry more risk if rates rise.

Yes. On most of our standard residential mortgage products, you can overpay by up to 10% of the outstanding balance each year without incurring an early repayment charge. Overpaying reduces your outstanding balance, which means you pay less interest overall and could clear your mortgage earlier. Some of our tracker and offset products allow unlimited overpayments. Your adviser will confirm the overpayment terms on your specific product at the time of application.

An Agreement in Principle can be issued in minutes. A full mortgage offer typically takes 10–14 working days from the point we receive a fully completed application and all supporting documents. Complex cases, non-standard properties, or self-employed income can take slightly longer. Once you have a mortgage offer, the legal process (conveyancing) usually takes a further 8–12 weeks, though this varies depending on the complexity of the chain.

Standard documentation required includes: proof of identity (passport or driving licence), proof of address (utility bill or bank statement dated within three months), last three months' payslips or, for self-employed applicants, your last two years' tax returns and accountant's certificate, last three months' bank statements, and details of any existing financial commitments including loans, credit cards, and maintenance payments. Your adviser will provide a full personalised checklist at your initial consultation.

Ready to take the next step?

Get an Agreement in Principle today or speak to one of our mortgage advisers, no obligation, no credit impact on initial enquiry.

Get an Agreement in Principle Speak to an adviser

FSCSProtected

Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority (FRN 000000). Registered in England & Wales. Registered office: 10 Catherine St, New York, NY 10038, United States. Your home may be repossessed if you do not keep up repayments on your mortgage. The value of your property may go down as well as up. Past rates are not a guarantee of future rates. All mortgage products are subject to status and eligibility. We may receive a commission or fee from the product providers featured on this page. Think carefully before securing other debts against your home.