The perfect Mortgage for your perfect home...

Mortgage Calculator


Bond & registration fee
Stamp duty
Advocate fee
Total fees


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 0.70% Over BOE base rate.
  • Early Repayment Charge Nil
  • 2 Year Fixed
  • Type 2 year fixed
  • Duration 2 year fixed
  • Initial Rate 5.84% (up to 60% loan to value) 7% APR / 6.22% (up to 90% loan to value) 8.1% APR
  • Early Repayment Charge 2% in year 1, 1% in year 2
  • Other Fees Product fee - £999
  • First Time Buyer
  • Type 5 Year Fixed
  • Initial Rate 5.99% (up to 90% loan to value) 6.7% APR
  • Early Repayment Charge 5% year 1, 4% year 2, 3% year 3, 2% year 4 and 1% in year 5.
  • Other Fees £999 Product Fee
  • 5 Year Fixed
  • Type 5 Year Fixed
  • Duration 5 Years Fixed
  • Initial Rate 5.79% (up to 60% loan to value), 6.24% (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
  • Buy To Let
  • Type 2 Year Fixed
  • Initial Rate 5.84% (up to 60% LTV) 8.5% APR/5.94% (up to 75% LTV) 8.5% APR
  • Early Repayment Charge 90 days interest
  • Other Fees £995 Product fee
  • Free valuation
  • 5 year Fixed Interest Only
  • Type UK Buy To Let Mortgages
  • Duration up to 30 years
  • Initial Rate 5.99% 7.00% APR(Over £400k), 6.39% 7.20% APR(Over £100k)
  • Early Repayment Charge 5%
  • Other Fees £1,999 purchase/£nil Re-mortgage
  • Minimum loan size £100,000

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 Enquiry