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.

Apply Now

Mortgage Reviews

71 reviews | 4.4/5 average
Skipton International Mortgage
Product FeaturesLTVPay RateAPRProduct FeesApplication FeeEarly Repayment Charges
Variable Rate of InterestUp to 90%4.74%4.9%Fee Free*

£1,499 for purchases and remortgages.


£500 for further advances 


(includes the cost of a single standard valuation)

No charge (unless property improvement)

With effect from 5 June 2017

* 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Our mortgage products can be withdrawn at very short notice.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. Should the applicant require a Homebuyers Report in addition to a standard valuation, the additional cost of the Homebuyers Report will be payable by the applicant, who will be put in touch with the relevant surveyor.

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