Guernsey's Best Mortgage Rates
See the most competitive mortgage rates available in Guernsey right now. Our data is updated daily from local lenders.
Categories
First Time Buyers: Special rates and products designed for those buying their first home in Guernsey.
Home Movers: Competitive rates for those moving up the property ladder.
Remortgage: Switch your existing mortgage and potentially save money with a better rate.
Buy-to-Let: Investment property mortgages for landlords.
What Affects the Rate You Get
The lowest headline rate is not always the cheapest mortgage. Your loan-to-value, term length, choice of fixed or variable rate, and any arrangement fees all change the true cost. Borrowers with a larger deposit and lower loan-to-value typically access the most competitive rates in Guernsey, while loyalty and energy-efficient products can offer further savings where you qualify.
How to Compare Rates the Right Way
Always look beyond the rate to the overall cost over the deal period, including arrangement fees, valuation fees and any cashback, so an eye-catching rate with a large fee does not cost you more than a slightly higher rate with no fee.
Today's lowest mortgage rates in Guernsey
| Lender | Product | Rate type | Initial rate | APRC | Initial term | Max LTV | Min deposit | Fees |
|---|---|---|---|---|---|---|---|---|
| Lloyds International | 2 Year Eco Tracker | Tracker | 4.30% | 6.60% | 2-year | 85% | 15% | £995 arrangement fee |
| Marsden Building Society | 2 Year Tracker | Tracker | 4.35% | — | 2-year | 60% | 40% | £998 arrangement fee |
| Lloyds International | 2 Year Premium Tracker | Tracker | 4.40% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker | Tracker | 4.45% | — | 2-year | 80% | 20% | £999 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker Guernsey Housing Association (First time buyer) | Tracker | 4.45% | — | 2-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.50% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Marsden Building Society | 2 Year Tracker, Over 55s | Tracker | 4.59% | — | 2-year | 60% | 40% | £998 arrangement fee |
| Marsden Building Society | 2 Year Tracker | Tracker | 4.59% | — | 2-year | 80% | 20% | £998 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.64% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Fixed, Eco Home | Fixed | 4.64% | 6.70% | 2-year | 90% | 10% | No arrangement fee |
| Lloyds International | 5 Year Fixed, Eco Home | Fixed | 4.64% | 6.10% | 5-year | 90% | 10% | No arrangement fee |
| Butterfield | 2 Year Base Rate Tracker | Tracker | 4.65% | — | 2-year | 90% | 10% | £999 arrangement fee |
| Lloyds International | 3 Year Premium Tracker | Tracker | 4.65% | 6.70% | 3-year | 85% | 15% | £995 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker Guernsey Housing Association (First time buyer) | Tracker | 4.65% | — | 2-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.69% | 6.10% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard | Fixed | 4.69% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Premier Standard | Tracker | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 4.74% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.74% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard | Fixed | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.74% | 5.90% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.74% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard | Fixed | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.74% | 5.70% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.74% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 4.74% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.75% | 6.70% | 2-year | 85% | 15% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Standard | Tracker | 4.79% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.79% | 6.70% | 2-year | 75% | 25% | £995 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Premier Standard | Fixed | 4.79% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.79% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 3 Year Fixed, Eco Home | Fixed | 4.79% | 6.50% | 3-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.79% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 4.79% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 4.79% | 6.10% | 2-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Premier Standard | Tracker | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.79% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Standard | Fixed | 4.79% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.79% | 5.90% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard | Fixed | 4.84% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker, Standard | Tracker | 4.84% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed, Premier Standard | Fixed | 4.84% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 4.84% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.84% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 4.84% | 6.10% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 4.84% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.84% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | No arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.84% | 5.70% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Standard | Fixed | 4.84% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 4.84% | 5.70% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 4.84% | 6.10% | 2-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed, Premier Standard | Fixed | 4.84% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |