Guernsey Housing Association Mortgage

The interest rate on this mortgage is fixed until 31 July 2028, providing Guernsey customers with certainty over their monthly 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
40% to 80%
Pay Rate
Minimum Loan from
Fixed rate of interest until 31 July 2028

Application fee: Fee free*

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

With effect from 8 August 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 £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 Housing Association 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.

  • 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    Our Guernsey Housing Association mortgage products can be withdrawn at very short notice.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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