Guernsey Mortgages

Guernsey 5 Year Fixed Rate mortgage

From 3.74% (4.3% APR)

Guernsey Next Generation mortgage

From 4.69% (4.7% APR)

Guernsey Buy-To-Let mortgages

From 4.79% (5.4% APR)

Product features


Pay rate


Application fees

Early repayment charges

 Fixed rate of interest until 30 September 2027

Up to 75%



 Fee Free* 5% until 30 September 2027

75.1% to 85%



85.1% to 90%



*Limited time offer

With effect from 15 August 2022


The minimum loan size is £150,000 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 outlined above the interest rate will revert to Skipton International Channel Island residential follow on 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  Our mortgage products can be withdrawn at very short notice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. 

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