Guernsey Base Rate Tracker Mortgage

This mortgage is guaranteed to track the Bank of England base rate for three years (with a base rate floor of 3.00%).
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Loan to Value
Pay Rate
Min Loan
Loan to Value
Up to 75%
Pay Rate
5.94% (Base + 1.69%)
Min Loan from
Loan to Value
75.1% to 90%
Pay Rate
6.24% (Base + 1.99%)
Min Loan from
Guaranteed to track the Bank of England base rate for three years (with a base rate floor of 3.00%)

Application fees: Fee free*

Early repayment charges: Year 1 - 3%
Year 2 - 2%
Year 3 - 1%

With effect from 5 April 2023

* 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.

    Following the tracker period the interest rate will revert to Skipton International Channel Island residential follow on rate (5.49%). Our Guernsey mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria).

  • Interest rates

    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 tracker period, interest to the date of redemption will be payable.

  • Product fees

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 Our mortgage products can be withdrawn at very short notice.

View of Guernsey Harbour
Purchasing a property in Guernsey
Skipton mortgage experts guide you through every step of your mortgage process from the initial enquiry all the way through to the property purchase.
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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.