Guernsey Mortgages

Guernsey base rate tracker mortgage

From 1.99% (3.6% APR)

Guernsey 5 year fixed rate mortgage

From 2.24% (3.4% APR)

Guernsey Next Generation Mortgage

From 4.24% (4.26% APR)

Guernsey Buy-To-Let mortgages

From 3.99% (4.9% APR)

 

Product features

LTV

Pay rate

APR

Application fee

Early repayment charges

Guernsey Housing Association 

40% to 80%

3.75%

4.1%

Fee Free*

5% until 31.05.26

*Limited time offer
 
With effect from 06 April 2021

Information

The minimum loan size is £90,000.

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 (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.

Application fees are non-refundable and must be paid on receipt of approval in principle. 

Our mortgage products can be withdrawn at very short notice.

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.