Guernsey 5 Year Fixed Rate Mortgage

With Fixed Monthly Repayments Make Budgeting Easier with a Fixed Rate Mortgage.

This interest rate on this mortgage is fixed until 31 January 2023, providing Guernsey customers with certainty over their mortgage repayments, regardless of what might happen to Bank of England base rates.

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Skipton International Mortgage
Product FeaturesLTVPay RateAPRProduct FeesApplication FeesEarly Repayment Charges
Fixed rate of interest until 31 January 2023Up to 60%1.99%3.8%Fee Free*

£999 for purchases and remortgages.


£500 for further advances 


(includes the cost of a single standard valuation)

5% until 31 January 2023
60.1% to 70%2.24%4.0%
70.1% to 80%2.74%4.1%
80.1% to 85%3.49%4.5%
85.1% to 90%3.99%4.6%

With effect from 1 December 2017

 * Limited time offer


The minimum loan size is £100,000 and the maximum loan to any individual, together with connected persons is £3 million.

No early repayment charges following the end of the fixed period.

Following the fixed rate period the interest rate will revert to our Standard Variable Rate. Our Guernsey mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria). For fixed rate mortgages and where the mortgage required for the new property is lower an early repayment charge, as detailed above, will be payable on the difference between the two loans.

Interest is calculated on a daily basis and monthly payments must be made in arrears by direct debit on the first working day of each month. As with all mortgages, if the mortgage is repaid after the end of the fixed rate period, interest to the date of redemption will be payable.

On fixed rate mortgages, lump sum payments of up to 10% may be made early without charge each year. For the purposes of this calculation, a year is defined as starting on the commencement of the loan and on the anniversary thereafter; the amount is up to 10% of the balance outstanding on that date. This facility cannot be rolled over into subsequent years if the facility is not used in any one year

Product fees are non-refundable and must be paid on application.  Our mortgage products can be withdrawn at very short notice

Click here to view all of our Guernsey Residential Interest Rates.

Return to Guernsey Mortgages page.

* Skipton International will arrange a single standard mortgage valuation only. Should the applicant require a Homebuyers Report in addition to a standard valuation, the additional cost of the Homebuyers Report will be payable by the applicant, who will be put in touch with the relevant surveyor.

Your home may be repossessed if you do not keep up repayments on your mortgage.