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Secure & Private

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  • Borrow £5,000 to £250,000
  • Flexible repayment terms up to 25 years
  • UK-regulated bank with over 80 years’ history
  • FCA authorised & regulated
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Authorised & Regulated by the Financial Conduct Authority (FCA). Free Price Compare is a credit broker, not a lender.

Who are Conister Bank?

Conister Bank Limited is part of the Manx Financial Group. The head office sits in Douglas, Isle of Man. It has been running since 1935, making it one of the oldest banks on the isle of man. Conister bank limited is still independent, and it has not joined any other big bank. The bank gives financial services on the isle. You can get secured loans, personal loans, asset finance, and lending for your business. Many people and companies around the isle of man use conister bank for their banking needs.

For UK borrowers, Conister bank is authorised and regulated by the Financial Conduct Authority (FCA). The bank is also supervised by the Prudential Regulation Authority (PRA). In the Isle of Man, it is overseen by the Isle of Man Financial Services Authority. Conister is covered by the UK Financial Services Compensation Scheme (FSCS). This means all lending and deposits are done according to rules set by UK financial services.

Conister Bank uses old values and mixes them with new ways to make lending decisions. The bank gives a flexible way for both people and businesses to borrow money when they need it. Sometimes, big lenders or major banks are not able to help you when you need lending. That is when Conister Bank can step in and offer another way. The bank is known for its flexible way to help, and for making smart lending decisions. If you want to work with lenders who think about your needs first, Conister is a good pick for you.

What types of loans does Conister Bank offer?

Secured homeowner loans

  • You can get a loan from £5,000 to £250,000.
  • The loan can go on for up to 25 years.
  • Your home will be collateral for the loan.
  • You can pick a fixed interest rate or go with a rate that is always the same.
  • Repayments are made to fit your regular income.

Debt consolidation loans

  • You can put all your debts into one and only need to pay once each month.
  • This is a good way for people who do not have a strong credit rating. It can help people who have a high LTV.
  • It is a flexible way to keep your budget simple. It can help lower stress if you get some unexpected expenses.

Personal loans

  • You can have money for small needs without using things that you own. This is normally for amounts from £2,500 to £15,000.
  • You can use this money to buy a new car, take your family on holiday, or handle unexpected expenses.
  • The money will be sent straight into your bank account.

Asset finance and leasing

  • You can get money from Conister to buy cars, tools, or things you need.
  • There be choices like leasing and hire purchase plans to help you get what you want.
  • The help is for people and companies through Conister’s partner Blue Star Business Solutions.

Bridging loans and business finance

  • Conister gives short-term bridging loans to help people if they need cash right away. This can help if you have a cash flow gap.
  • Conister works with Business Lending Exchange and Payment Assist Limited. This helps Conister get bigger in the UK lending market.
  • These loans are made for people in London and other places in the UK. You can get money fast and in a flexible way with Conister bridging loans.
What types of loans does Conister Bank offer

Eligibility Criteria

Applicants must:

  • You have to be at least 21 years old.
  • You must live in the UK. If you want a secured loan, you need to own your home.
  • You need to give your current address and your email so they can contact you.
  • You must get regular income from your job, or if you are self-employed.
  • They will check your credit rating and see if you can pay back the loan.
  • For a secured loan, you must use collateral. This can be your property or something else you own.

Conister checks every applicant by looking at them one by one. The lending decisions are made with care for each person and their needs. They do not let just a computer score decide this. The way Conister works means that all applicants can get fair lending help.

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Key Features of Conister Bank Loans

  • You can get a secured loan from £5,000 to £250,000.
  • Pick how long the loan lasts, with terms of up to 25 years.
  • The loan can have a fixed interest rate or interest that changes over time.
  • All the fees are clear and told to you upfront so there are no surprises.
  • Money can be ready for you in just a few business days most of the time.
  • There is strong help for you online, in branches, and at call centres.
  • Loans follow rules from the Isle of Man Financial Services Authority and the FCA.

What is the typical interest rate on Conister Bank loans?

Conister Bank offers you options with a fixed interest rate. You can also pick products where the rate can go up or down. The APR that you get from Conister depends on a few things.

  • The loan amount you choose and the LTV (loan-to-value) are important in this.
  • The credit rating of the applicant and how steady their income is will be looked at.
  • You also get to pick the loan term.
  • A loan can have property or other collateral as security.

Borrowers with good profiles will get better rates. Other borrowers can be approved too, but they have to pay higher rates.

Can I use a loan calculator to estimate repayments for a Conister Bank loan

Can I use a loan calculator to estimate repayments for a Conister Bank loan?

Yes. Conister Bank and the broker partners will give you a loan calculator. You can use it to see what the repayments may be for you.

  • Calculators help you see what the monthly payments can be. The calculator uses the loan size, the loan term, and the fixed interest rate to do this.
  • The result gives borrowers a way to know if the loan might work for them. But, you will get real confirmation of the loan terms after you do a full loan application assessment.
  • For secured loans, the calculator looks at ltv, property worth, and the collateral you give.

Does Conister Bank offer any bounce back loans or special financing schemes?

Conister Bank does not offer UK Government Bounce Back Loans at this time. These loans were given out by the UK Government during the COVID-19 pandemic. But Conister Bank gives its own special financing plans.

  • The Payment Assist Limited partnership helps businesses spread out their payments with easy staged payment plans. This lets people manage money better over time.
  • You get support for your cash-flow through the Business Lending Exchange. You can keep your business going, even if things get tough and money is tight.
  • The team gives flexible conister finance deals for small and medium businesses. If you need fast cash, these are quick lending options. You get help when you need money right away.

These schemes offer a flexible way for people to deal with unexpected expenses or times when they have to put money into their business. You do not need to count only on regular banking products for this.

Application Process – Step by Step

  1. You can get in touch with conister online, by email, or by calling the call centres to ask about a loan.
  2. Be sure to have your ID, something to show where you live, and proof that you have regular income.
  3. Conister will look at your credit rating by doing a credit assessment.
  4. If you need to offer something for security, they will check the property value and do an LTV calculation.
  5. They will give you the loan terms. This will show if there is a fixed interest rate, the fees you need to pay, and the repayment schedule. You will need to give confirmation when you agree.
  6. When you confirm, the money will go to your bank account in a few business days.

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Repayment Options

  • You will pay each month. The payment goes toward the money you took and the interest for the whole time of the loan.
  • The loan can last from 1 year up to 25 years. It depends on the product you have.
  • You can give back what you owe before the loan ends. But you might have to pay some fees.
  • Some loans let you put in more money each month. This gives you a flexible way to cut down the total interest.

Benefits of Conister Bank Loans

  • The company has been around for a long time as part of the Manx Financial Group.
  • It follows the rules set by the Isle of Man Financial Services Authority and the FCA.
  • They have a wide range of products for their customers. This includes leasing, bridging, and other types of business lending.
  • They give people and businesses a flexible way to borrow money.
  • The team really knows the isle of man and has good local knowledge. They also work with UK customers. To do this, they partner with Blue Star Business Solutions.
Benefits of Conister Bank Loans

Risks and Considerations

  • Secured loans ask you to put up property or something valuable as collateral.
  • If borrowers have a low credit rating, they may get higher APRs.
  • The loans can come with legal fees or other costs to set up.
  • Some UK-wide deals, like Bounce Back Loans, are not offered in every UK area.

FAQs about Conister Bank Loans

Yes. Conister checks each applicant by itself. Your credit rating is important to them, but you still can be approved. If you show a strong case and have enough collateral, you can get what you want.

Loans might be for up to 25 years. The time it stays depends on what the product is and the LTV.

Yes, Conister is good when it comes to asset finance and leasing. The company can help you with cars, vans, equipment, and some other things too.

Yes. Conister Bank Limited can give financial services in the isle of man. The bank is checked and approved by the isle of man financial services authority. In the UK, conister bank is watched by the FCA and PRA. If you put your money in conister bank, the FSCS protects it.

After you give your confirmation and sign the agreement, the money will be sent to your bank account in a few days. You can expect it soon after everything is done.

Important Notice: You need to think with care before you use your home for other debts. If you do not keep up with repayments on a mortgage or on any debt that uses your home, you could lose it.

Free Price Compare is allowed by the Financial Conduct Authority (FCA) to do its work. We do not lend money. We act as a credit broker, putting you in touch with lenders.

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Page last updated on: 29/08/2025

Page reviewed by: Andrea Troy

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