Young couple discussing mortgage with mortgage adviser

Mortgages

We make mortgages to order – just the way you want them.

Everybody’s circumstances are different and here at Gower we take that into account, whether you’re a first‑time buyer or a seasoned owner.

As a first‑time buyer it’s not easy to negotiate the many potential pitfalls associated with obtaining the finance. That’s why it helps to have your own personal mortgage adviser there for you every step of the way.

If you’re moving home and need a new Guernsey mortgage, you’ll appreciate the fresh Gower approach. We compare the whole market to ensure a package that is suitable to meet your needs.

Gower mortgages have some very creative solutions which can help you get on the property ladder and own your own home.

Mortgage Advice

Gower Mortgages are part of Gower Financial Services, a locally owned financial services company.

Mortgage Protection

Also known as Decreasing Term Assurance (DTA), this is one of the least expensive life insurance products available.

Mortgage Fee Calculator

TERMS

LEGAL FEES

Document Duty £0.00

Advocate Fee £1600.00

Bond Fee £0.00

OTHER FEES*

Gower Fee £150.00

Bank Fee £999.00

Property Valuation £450.00

Total Fees £0.00

Deposit Required £0.00

Total Contribution Required £0.00

MonthlyRepayments £0.00

Document duty has been calculated by using 97.5% of the purchase price which may vary. Court and Greffe fees of £359.50 have been included. Legal fees are approximate. This quote is for illustration purposes only, actual fees may vary. *Other fees variable depending on lender.

What our clients say

Here's some of the feedback we've received from our mortgage clients

Mortgage Service Reviews

As first time buyers, we were a bit overwhelmed with everything concerning buying a property - Neil helped us to understand everything from mortgages to finances to different insurance covers. Neil was amazing and supportive throughout the buying process, and was there to answer all our questions - nothing was ever too much trouble and we were never made to feel like an inconvenience. We will definitely use Neil for any future property purchases and we cannot thank him enough.

- Emily & Ben

My partner and I have recently bought our first home. Neil helped us understand mortgages, advised us on our finances, and also was there for us when we were unsure during the Covid-19 Lockdown which eased what could have been a very stressful time for us. Neil was brilliant throughout the whole house buying process, and was there to answer all our questions. We wouldn't go to anyone else and certainly will be back for our next property purchase, we recommend him to anyone who's looking to buy a property!

- Jake & Louise

Neil assisted me in securing a buy-to-let and residential mortgage. Even with the uncertainty and challenges during the Covid-19 lockdown Neil kept me fully up to date and his knowledge of the local lending market is fantastic. He certainly helped to make the process less stressful and I would highly recommend him to anyone who is looking for a mortgage.

- Rachel

We hadn’t had a mortgage for a while so needed guidance with not only the banks, but the process of buying the property which involved the advocates and putting in place life insurance, which Neil dealt with very smoothly. What made it even more difficult to manage was that most of this was done during the Covid-19 lockdown, but Neil kept us informed by email and documents were posted back and forth. I would have no hesitation in recommending Gower and particularly Neil for his patience and professionalism when needing a mortgage.

- Gary & Wendy

Neil has been our mortgage adviser for a number of years, having assisted with the purchase of our first home and more recently our second. Neil has made the whole process stress free, he is knowledgable, approachable and always on hand to answer any queries. We cannot recommend him highly enough to anyone looking for a mortgage, thanks so much again Neil!

- Andy & Nat

Neil at Gower was recommended to me by a friend who had used him to obtain a mortgage and had found him very professional and helpful. I completely agree. I went to see Neil to find out what position I’d need to be in to obtain a mortgage and next thing I know, I’ve got one!

- JO

A family member recommended Neil to us and he has been nothing but great. We were always kept up to date and well informed with the progress of our mortgage and Neil was always available to answer any queries we had. Would highly recommend Neil to any of our friends and family.

- Emma & Nick

Neil's guidance and support has been exceptional. He is incredibly knowledgeable, explaining all parts of the process thoroughly and clearly. We would highly recommend using Neil's expertise for a stress-free property purchase! Thanks Neil!

- Mr & Mrs Ford

Neil was extremely helpful, knowledgeable and offered us guidance through each stage of the property process. He looked at our exacting requirements and secured us the best deal. We will be recommending Neil to our friends and family.

- Mr & Mrs Wadley

We have come to Neil/Gower on two occasions when purchasing properties and their service has been nothing short of excellent. We do and would highly recommend the team to anybody needing their services!

- Mr M & Mrs J Bichard

Neil at Gower arranged a mortgage for me when my personal circumstances at the time meant I wasn’t even sure I’d be able to get one. He was extremely patient and understanding and negotiated with the bank on my behalf to secure a mortgage which is both affordable and suited to my needs.

- LS

I would wholeheartedly recommend Gower Financial and Neil Stanford in particular to anybody seeking a mortgage solution.

- M Frampton

Neil has been fantastic helping find the best mortgage for us.

- Laura Warren

We visited Neil for Mortgage Services having known Neil for great professionalism for some time. As always Neil provided a great service giving us full information and providing us a lender with the best rates available at the time. Even when we had questions in regards to documentation through our mortgage offer, Neil went the extra mile to investigate and sort matters for us.
Neil is friendly, knowledgeable and looks after his clients best interests. Thanks Neil. We will ensure we recommend Neil as part of Gower for mortgages services.

- Colette & Jason

Having been aware of Gower’s Mortgage services I contacted Neil as I did not want to have to contact all providers individually to find out the best rates. Neil made his recommendation and then did all the liaising with the bank and kept me informed of the process until the Court date. For a very reasonable fee I would highly recommend Neil at Gower Financial Services - Thanks Neil

- Steve

We decided to review our mortgage arrangement following an introduction to Neil Stanford. The review Neil undertook was extremely thorough and highlighted areas for improvement. The whole review process was straightforward, made easy by Neil’s depth of knowledge and understanding of the mortgage marketplace. Knowing Neil is managing all aspects of our mortgage protections insurance matters now provides us with a high level of reassurance and peace of mind that we have not previously experienced. We are pleased to recommend Neil Stanford at Gower Financial Services.

- Tony & Sandra

Neil makes the whole process of getting a mortgage and buying a house so much simpler than it is. After successfully helping us purchase our first home 7 years ago, we approached Neil earlier this year to find out what we would be able to borrow in order to move house. Nothing was too much trouble and he comprehensively searched for the best deal for us. He was incredibly efficient and knowledgeable. Neil liaised with the bank regularly to update us on progress and even chased matters up on his week off. We are now happily settled into our new home and would certainly recommend Neil to anyone considering getting a mortgage.

- Tim & Claire