Guernsey Mortgages

Product NameProduct FeaturesLTVPay RateAPRProductProduct FeesEarly Repayment Charges
3-Year Base Rate TrackerGuaranteed to track the Bank of England Base Rate for 3 years (with a minimum Base Rate (floor) of 0.10%)Up to 75%3.99% (Base + 3.89%)4.9%BT004Fee Free*

Year 1 – 3%

Year 2 – 2%

Year 3 – 1%
5-Year Fixed RateFixed rate of interest until 30 November 2026Up to 75%4.49%5.0%BF0085% until 30.11.26



Rates correct as at 06 October 2021

*Limited time offer

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

Following the fixed or tracker period outlined above the interest rate will revert to Skipton International Channel Island Buy-To-Let follow on rate (currently 4.99%).  A rental income of 125% is required, based on a simple calculation at 5.50% for the 3 year tracker rate. here the 5 year fixed rate is selected, the interest calculation matches the applicable pay rate. 

Our mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria).

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 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 Our mortgage products can be withdrawn at very short notice.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 Buy-To-Let mortgage rates.

Return to the Guernsey mortgage page.

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

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