Mortgages

Mortgages

The perfect Mortgage for your perfect home...

Mortgage Calculator

Fees

Bond & registration fee
Stamp duty
Advocate fee
Total fees

Repayment

Monthly repayments
Total mortgage payable

Please note: The above fees are for indication purposes and should only be used as a guide. Your Advocate will confirm actual figures.

At Oracle, our aim is to provide you with a personalised Guernsey mortgage, whether residential or Buy to Let, with the rate, term and structure tailored to suit your circumstances.

Due to our independent status and relationships with both High Street and Private Banks, we can offer a wide range of up to 100 different Guernsey mortgage products, and our vastly experienced and knowledgeable advisors are dedicated to finding the right mortgage for you

That’ll be Oracle.

Oracle's Top Mortgages

  • 2 Year Tracker
  • Type Tracker
  • Duration 2 Years
  • Initial Rate 1.89% (up to 75% loan to value)
  • Early Repayment Charge 0.50% until 29/11/2019
  • Other Fees £999 Product Fee
  • 2 Year Fixed
  • Type 2 year fixed
  • Duration 2 year fixed
  • Initial Rate 1.25% (up to 60% loan to value) / 1.99% (up to 90% loan to value)
  • Other Fees £999 Product Fee
  • 95% Mortgage
  • Type Family Mortgage
  • Duration 3 Years
  • Initial Rate 3.79% fixed until 30/06/2020
  • Early Repayment Charge 3% until 30/06/2018, 2% until 30/06/2019, 1% until 30/06/2020
  • Other Fees £175 Application Fee & £545 Bank Product Fee
  • "Conditions Apply"
  • First Time Buyer
  • Type 2 Year Fixed
  • Duration 2 years Fixed until 30/11/2019
  • Initial Rate 2.85% (up to 90% loan to value)
  • Early Repayment Charge 3 Months interest
  • Other Fees Free Valuation and Product fee
  • 5 Year Fixed
  • Type 5 Year Fixed
  • Duration 5 Years Fixed until 30/11/2022
  • Initial Rate 2.09% (up to 60% loan to value), 3.29% (up to 90% loan to value)
  • Early Repayment Charge 5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5
  • Other Fees £999 Product Fee
  • 3 Year Discount Rate Interest Only
  • Type Expat Buy to Let
  • Duration up to 25 years
  • Initial Rate 2.99%
  • Early Repayment Charge 3% until end of discount term
  • Other Fees £1,999
  • Up to 75% Loan to Value, Minimum £300,000, Maximum £750,000
  • 3 Year Discount Rate Interest Only
  • Type International & Expat Clients
  • Duration Up to 25 Years
  • Initial Rate 3.74%
  • Early Repayment Charge 3%
  • Other Fees £1,999
  • Includes free valuation & lender legal fees. Minimum loan size £100,000 maximum £750,000
  • 5 year Fixed Interest Only
  • Type International & Expat Clients
  • Duration up to 25 years
  • Initial Rate 4.20%
  • Early Repayment Charge 5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5
  • Other Fees 1%

As Guernsey’s leading mortgage broker we are renowned for our exemplary personal service, so you won’t be passed from pillar to post; one familiar face will be by your side from start to finish.

Oracle Finance can offer a number of mortgage products available to Guernsey residents. Base Rate Trackers, Fixed Rates, Buy To Let as well as Expat mortgages for our internationally based clients. Whether you are a first time buyer or home mover we have something for you. Oracle can also arrange bespoke funding for proposals that sit outside of usual Bank products as well as Legal Fee funding via our lending partners.

To take the next step, please complete the mortgage enquiry form and one of our experts will assess your enquiry and swiftly get back to you.

To find out more about Mortgages from Oracle, please contact us today.

01481 727347
mortgages@oraclefinance.gg

Mortgages Enquiry