Guernsey 5 Year Fixed Rate Mortgage

The interest rate on this mortgage is fixed until 31 May 2029, providing Guernsey customers with certainty over their mortgage repayments, regardless of what might happen to Bank of England base rates.
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Loan to Value
Pay Rate
Minimum Loan
Loan to Value
Up to 75%
Pay Rate
Minimum Loan from
Loan to Value
75.1% to 90%
Pay Rate
Minimum Loan from
Fixed rate of interest until 31 May 2029

Application fees: Fee free*

Early repayment charges: Year 1 – 5%
Year 2 – 4%
Year 3 – 3%
Year 4 – 2%
Year 5 – 1.5%

Skipton International Channel Island residential follow on rate is currently 6.49%

With effect from 29 April 2024
* Limited time offer

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

  • Mortgage information

    For a limited time, this mortgage is available Fee Free.

    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 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). Where the new borrowing is lower than current, a pro-rata early repayment charge will apply.

    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.

  • Interest in Advance

    The interest Skipton charges for each month will be calculated and charged daily on a sum equal to the Loan on the day the Loan is advanced to the Borrower in the first month and, for each month thereafter, on a sum equal to the Loan on the last day of the previous month and will be debited to the Borrower’s Loan in advance on the day the Loan is advanced to the Borrower in the first month and on the first day of each month thereafter. 

  • Fixed rates

    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

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 Our mortgage products can be withdrawn at very short notice.

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Mortgages with Skipton

If you’d like to talk to us about finding a Skipton mortgage that’s right for you, we’d love to help. Find out how much you can borrow with our Mortgage Calculator.