Living on the Isle of Man offers a unique and incredible way of life, from the bustling business hub of Douglas to the stunning coastlines of Peel and Port Erin. But the Manx property market is as unique as its scenery, with its own lenders, government schemes, and legal processes.
Navigating this specialist market requires expert knowledge. While our advisory team is based on the UK mainland, we specialise in providing comprehensive, remote advice to clients across the Isle of Man.
Through a modern, convenient service, we offer our full range of expertise, ensuring you get the best deal from the comfort of your home.
Our Specialist Mortgage Brokers for the Isle of Man
Our team of specialist mortgage brokers has a deep and proven understanding of the Manx market. We have built strong relationships with the island's key lenders and stay constantly updated on the specific products available to Manx residents.
We are experts in the Isle of Man's unique mortgage landscape, and we manage the entire application process for you from start to finish.
Our expertise includes:
First-Time Buyer Mortgages: We are highly experienced with the Isle of Man Government's First-Time Buyer schemes. We provide clear guidance on both the "First Home Fixed" scheme (for new-build properties) and the "First Home Choice" scheme (for the open market), helping you understand how the shared equity loan works.
Complex Income Mortgages: The island's economy is driven by world-class industries. We specialise in securing mortgages for professionals in eGaming, finance, and professional services, including contractors, company directors, and those with bonus-led or multi-currency incomes.
Home Mover & Remortgaging: Whether you're moving from a flat in Douglas to a family home in Ramsey, or your current mortgage deal is ending, we can search the entire market to find you the most competitive rate.
Buy-to-Let Mortgages: We can assist new and experienced landlords looking to invest in the Isle of Man's rental market, all from our specialist advisory hub.
Other Advisory Services We Provide
Our financial services are designed to protect you, your family, and your home. Our specialist advisers can provide expert, regulated guidance for Manx clients in these key areas:
Later-Life Lending (Equity Release)
If you are a homeowner on the island aged 55 or over, you may be able to unlock tax-free cash tied up in your property. Our qualified later-life lending specialists can provide clear, unhurried advice over the phone, explaining the products available to Manx residents and helping you decide if it’s the right option for your retirement plans.
Insurance and Protection
Securing your mortgage is just the first step. Our protection advisers will review your circumstances to ensure your finances and family are secure, no matter what happens. We offer advice on:
Home Insurance (Buildings & Contents)
Why Choose Our Service?
We believe in combining specialist expertise with modern convenience. While we are not physically based on the island, our service is built to be seamless, professional, and highly effective for our Manx clients.
Complete Market Access: We are a whole-of-market brokerage. Our primary duty is to you, not a specific bank, giving you access to a much wider range of deals.
Total Convenience: You get expert advice without having to leave your home. We offer appointments via phone and video call at a time that suits you.
Full-Service Support: We handle all the paperwork, manage the entire process with lenders, and liaise with your Manx advocate to ensure your journey to completion is as smooth and stress-free as possible.
You can read reviews from our existing customers, some of whom are based on the Isle of Man, below:
Speak to Our Isle of Man Specialist Team Today
Our advisers are ready to help. Get in touch for a friendly, no-obligation chat to see how we can assist with your mortgage, protection, or later-life lending needs.
FAQs
Absolutely not. Our entire service for Isle of Man clients is designed to be managed remotely via phone, email, and video call. We can share and sign documents securely online, making the process faster and more convenient than visiting a traditional branch.
Find your local adviser
- Residential mortgages: Everything from fixed-rate to tracker mortgages for first-time buyers, homemovers and remortgage borrowers
- Specialist mortgages: For borrowers who fall outside of standard lending criteria, including people with bad credit, self-employed professionals and more
- Later-life lending: Including advice on equity release, mortgages for pensioners and retirement interest only (RIO) mortgages
- Bridging & Commercial: We have specialist advisors on hand for commercial mortgages, bridging loans, development finance and more
- Insurance & Protection: Including life, home and critical illness cover for families and individuals, as well as landlord and business protection insurance
Echo Finance is regulated by the Financial Conduct Authority and is reviewed annually by an independent compliance company. All of our brokers and advisers hold industry-standard qualifications, such as CeMAP, CeRER and DipMap, where required.
We are committed to providing advice through the channels that best suit your needs. Our brokers can provide advice via phone, email, video and web chat from anywhere in the UK, but we also aim to offer face-to-face appointments for those who request them.