This website contains details of mortgage products for properties in Guernsey. View our UK site here

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Guernsey Later Life mortgages

Mature woman smiles in her kitchen after applying for a mortgage with the Marsden in Guernsey.

Exclusively available to Guernsey residents through SPF Private Clients, our Later Life mortgages are specially designed to support you in your retirement if you’re looking to purchase a new home, remortgage, or release funds from your existing property.

Our mortgage rates (PDF)

Download a copy of our product portfolio which contains the rates and details of the Retirement products currently available to borrowers in Guernsey.


There is a range of eligibility criteria you’ll need to meet for our Later Life mortgage range. SPF will be able to talk you through this in more detail, but as a guide, you could be eligible for a Later Life mortgage with the Marsden if;

  • You’re looking to borrow at least £30,000
  • You’re looking to borrow a maximum of £1,250,000
  • Your property is worth at least £200,000
  • You’re looking to borrow up to 60% LTV
  • You have an annual income of at least £17,500 (whether you’re applying on your own, or jointly)
  • You or your partner (if joint) are aged 55 or over
  • You’re a Guernsey resident

Please note, if you are looking to borrow against your home for a variety of reasons (home improvements for example), depending on the amount of the loan advance, documented evidence may be required to support the loan purpose.

Our partner

SPF Private Clients are the largest and longest running mortgage broker in Guernsey, with access to the entire mortgage market. SPF provide expert mortgage advice to the residents of Guernsey and can access the full range of mortgage solutions from the Marsden.

Your mortgage journey

Your mortgage journey

Close up of the interior of a Marsden Building Society office featuring the pink rose from their logo.

From enquiry to completion, we've covered the steps of your mortgage journey, so you know how the process works and what to expect.

View steps
About us

About us

Couple sit on sofa looking at the Marsden website for a mortgage in Guernsey.

With over 160 years’ experience, we've been supporting customers with a range of mortgage products for generations.

About the Marsden
Latest news

Latest news

Smiling grandfather and granddaughter browse the Marsden news section together in their Guernsey home.

Read the latest articles from the Marsden including useful information about our product ranges and more about our partnership with SPF.

Latest news

Your home may be repossessed if you do not keep up repayments on your mortgage