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

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Which mortgage is right for you in Guernsey?

Published on: 9 March 2022


If you’re a resident of Guernsey looking to take out a mortgage, there are a range of products on the market to choose from.

Finding the right mortgage to meet your needs is essential, which is why we’re partnered with SPF Private Clients, the largest and longest running mortgage broker in Guernsey, to pair their expert mortgage advice with our range of products.

Types of mortgage products

Exclusively available to those who reside in Guernsey, our residential mortgage range may be suitable if you’re looking to borrow between £30,000 – £750,000 on an interest only or repayment basis, allowing you to purchase or remortgage a property.

If a residential mortgage isn’t right for you, we have mortgages which are tailored for residents with different circumstances.

For example, our 55+ Retirement Mortgages are designed for those aged 55 or over and may be suitable if you’re looking to take out a loan in retirement for a number of reasons, such as purchasing a new home.

An alternative to equity release, our Retirement Interest Only mortgages may be of interest if you’d like to remain in your home with no plans to downsize but wish to release funds from your property.

We also have a range of mortgages available for Guernsey expats, so if you’re residing overseas, looking to own a Buy to Let property or purchase a home in the UK for your family, we could help.

Expert advice

SPF’s experienced team of advisers will guide you through our full range of mortgages and recommend the product that’s right for you.

If you’d like to get in touch, please visit our ‘Contact SPF’ page, or alternatively, you can find out more about our product range on our dedicated ‘Mortgages’ page.