Guernsey Standard Variable Rate Mortgage

Variable Rate of Interest and No Repayment Charges

Our Standard Variable Rate Mortgage has no early redemption charges. It is the mortgage that our other residential mortgages will transfer into on maturity of either the tracker or fixed rate period.

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Product FeaturesLTVPay RateAPRProduct FeesApplication FeeEarly Repayment Charges
Variable Rate of InterestUp to 90%4.99%5.2%Fee Free*


£999 for purchases and remortgages.


£500 for further advances 



No charge (unless property improvement)

With effect from 16 August 2018

* Limited time offer


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

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

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.

Our mortgage products can be withdrawn at very short notice.

Click here to view all of our Guernsey Residential Interest Rates.

Return to the 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.