Guernsey Mortgages

Guernsey Base Rate Tracker Mortgage

This mortgage is guaranteed to track the Bank of England base rate for three years (with a base rate floor).
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Loan to Value
Pay Rate
APR
Minimum Loan
Information
Loan to Value
Up to 75%
Pay Rate
5.99% Base + 1.24% / Product Floor 4.24%
APR
6.7%
Minimum Loan from
£100,000
Loan to Value
75.1% to 90%
Pay Rate
6.14% Base + 1.39% / Product Floor 4.39%
APR
6.8%
Minimum Loan from
£100,000
Fixed rate of interest until 31 January 2028

Application fees: Purchase and remortgages: £1,499

Early repayment charges: No early repayment charges

With effect from 13 January 2025
  • Mortgage information

    Application fee of £1,499 for purchased properties and remortgages. Includes cost of valuation.

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

    No early repayment charges following the end of the fixed period.

    Following the tracker period the interest rate will revert to Skipton International Channel Island residential follow on rate (6.49%).

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

     

  • Interest rates

    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

    Product fees are non-refundable and must be paid on application. Our mortgage products can be withdrawn at very short notice.

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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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Mortgages with Skipton

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