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 Fee CalculatorTERMS
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.
Your home may be repossessed if you don’t keep up repayments on your mortgage.
What our clients say
Here's some of the feedback we've received from our mortgage clients
- Ollie & Asia
As first time buyers we were not sure on where to start with looking for a mortgage. Neil at Gower explained everything in detail, but in a way that was easy to understand. He assisted through the whole process and made things very smooth.
- James & Sophie
We recently used Neil at Gower for the second time, to secure the mortgage for our new home.
As always, he was an absolute delight to work with. Professional, friendly and above all extremely experienced in the industry so able to get us exactly what we needed. From an initial meeting, he advised what he required from us to submit an application. We did that and it all fell into place.
Using Neil as a broker takes all the stress out of arranging the mortgage. From the initial applications, dealing with the lender and all other parts of what is usually a stressful time, Neil took care of it all - we even went on holiday for the week before the move as we were so confident in his abilities!
I would highly recommend Neil to anyone looking for a mortgage. Twice now he’s secured us the house of our dreams even when we thought it might not be possible and we can’t thank him enough for that.
Neil and I started working together in 2021. I am so glad I went to Gower because if I hadn’t I wouldn’t have been able to buy my ideal home. Neil not only gave me sound advice when it came to the banks, the practicalities and process but when I faced challenges he gave me honest feedback and acted as a sounding board, going above and beyond. I wouldn’t hesitate to use Gower, especially Neil, again.
I contacted Neil following a recommendation and I am so glad I did. As a first time buyer, applying for a mortgage seemed daunting, but Neil made the whole process as simple as possible for me.
From comparing my mortgage options, completing the forms and guiding me through them before signing, Neil was brilliant throughout the process. He also explained and arranged the mortgage protection aspect for me. Neil communicated regularly and was always on hand to answer any questions that I had.
I cannot recommend Neil highly enough, thanks again Neil.
I approached Neil as a complete novice when applying for my mortgage and I was reassured from the offset that he would take care of everything and explain the entire process. Neil was accessible at all times to answer my endless questions and I valued his advice and thoroughness; I can honestly say, from start to finish, Neil ensured that the whole process was stressless, efficient, and transparent. I was extremely satisfied with Gower’s services throughout and the aftercare I received; I would highly recommend this company.
- Mark & Danni
We were recommended to Neil Stanford and Gower Financial Services through family members who had had positive experiences in the past. My wife and I had recently returned to Guernsey and we were looking to buy our first house for the family on the island. We were really unsure of our position before our first meeting, however Neil made us feel very comfortable and was able to explain all the options available to us in a clear and concise manner.
Neil Stanford and Gower Financial Services were recommended to me by a friend. I was very nervous and unsure of the process of securing a mortgage and Neil guided and supported me throughout the whole process. He was patient and always responded very quickly to any query I had. He made the daunting task easy and I appreciated his professionalism and clear explanation of every aspect. I would recommend Neil and the Team at Gower, especially if it’s your first experience of applying for a Mortgage.
I found Neil to be extremely helpful, knowledgeable and professional. It was especially useful as this was my first mortgage application and I had very little knowledge of what was required and the process. Neil made the whole process very clear and easy to understand. I was recommended Neil’s services by family members and would certainly recommend him to anyone looking at applying for a mortgage.
- Emily & Ben
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.
- Jake & Louise
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!
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.
- Gary & Wendy
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.
- Andy & Nat
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!
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!
- Emma & Nick
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.
- Mr & Mrs Ford
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 Wadley
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 M & Mrs J Bichard
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!
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.
- M Frampton
I would wholeheartedly recommend Gower Financial and Neil Stanford in particular to anybody seeking a mortgage solution.
- Laura Warren
Neil has been fantastic helping find the best mortgage for us.
- Colette & Jason
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.
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
- Tony & Sandra
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.
- Tim & Claire
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.
- Andreia & Filipe
We would highly recommend Neil Stanford at Gower Financial Services to anyone looking to purchase a house.
Neil assisted us to purchase our first home, he was professional, helpful, efficient and knowledgeable.
Neil explained us the buying process, found us the best rates, answered all our questions and offered advice and reassurance. He was supportive and kept us informed, from start to completion, even during Covid-19 lockdown.
Neil made the whole process simple and easier to follow.
Being a first time buyer the process of obtaining a Mortgage seemed extremely daunting. Neil Stanford at Gower Financial Services was extremely helpful and explained all the processes in understandable terminology. Neil went that "extra mile" in assisting me, and even went a little further by hand delivering my application to the Bank in town:). Many thanks Neil.
We lost hope in finding a mortgage for the property of our dreams until we found Neil. He was absolutely fantastic and we could not have bought our home without him. His wealth of experience is invaluable. Neil went the extra mile so that we could meet a very tight completion date.
- Adam & Maria
We have now used Neil on two occasions to support us with mortgage applications and he will always be our “go-to” guy. Not only is his knowledge of the market extensive, his advices and support are second to none. Neil is a great guy to go alongside the above and breaks down products and offers into simple to understand terms in a manner that makes you feel comfortable. We fully endorse Neil and would recommend him to anyone seeking mortgage advice.
Neil has been amazing from the very start of the process, right through to completion of our mortgage application and house purchase. Nothing is too much trouble! Having used Neil in previous mortgage searches we highly recommend using this mortgage master as without his invaluable knowledge we wouldn’t be in our forever home!
- Emily & Chris
The support and service we receive from Neil is second to none. Neil has been on hand for all questions we've had over the past 7 years and we are indebted to him for all his help. The breadth of knowledge of the market enables him to provide the best information for each client but does so in an understandable way. Thank you for making the process of buying our home so smooth!
The guidance provided by Neil was incredibly helpful as I looked to buy my first property. I was rather unsure about the whole process and Neil guided me through, making the complex much more simple. I have nothing but good things to say about Neil’s professionalism, knowledge and commitment to ensuring the process went smoothly. I would happily recommend Neil to anyone.