Guernsey mortgage rates
Published by SPF Private Clients (Channel Islands) Ltd and read by this site on 2026-08-23. Rates from 4.69%. This site is not a broker, is paid nothing by anyone on this page, and cannot arrange a mortgage — the figures are reproduced so you can see them beside a property, and the link goes to the firm that publishes them.
Residential
| Initial rate | Product | Max loan to value | Arrangement fee | Interest charged |
|---|---|---|---|---|
| 4.69% | 5 year fixed rate | 60% | £999 | Daily |
| 4.79% | 2 year fixed rate | 60% | £999 | Daily |
| 5.10% | 5 year fixed rate | 90% | £999 | Daily |
| 5.29% | 2 year fixed rate | 90% | £999 | Daily |
Buy to let
| Initial rate | Product | Max loan to value | Arrangement fee | Interest charged |
|---|---|---|---|---|
| 4.99% | 5 year fixed rate BTL | 60% | £1,999 | Daily |
| 5.09% | 5 year fixed rate BTL | 75% | £1,999 | Daily |
| 5.44% | 2 year fixed rate BTL | 60% | £1,999 | Daily |
| 5.54% | 2 year fixed rate BTL | 75% | £1,999 | Daily |
See these rates at SPF Private Clients Every Guernsey broker and adviser
Their other services
One firm's published indicative rates, not a whole-of-market comparison and not an offer. Lenders apply their own income multiples, stress tests and status checks, so what you are actually offered may differ. Arrangement fees are shown because they change the real cost of a cheap-looking rate.
SPF Private Clients (Channel Islands) Ltd — An appointed representative of SPF Private Clients Ltd, authorised and regulated by the Financial Conduct Authority, and licensed by the Guernsey Financial Services Commission as an insurance intermediary and to carry out services ancillary to credit for consumer credit and home finance activities.
This site holds no licence to arrange or advise on home finance and does not attempt to. It publishes no phone number or email address for anyone, including brokers: the links above go to their own pages, where their contact details are theirs to publish.