Guernsey's Mortgage Lenders
Explore the mortgage providers helping islanders find their next home. From big international names to local favourites, these are the lenders offering mortgages to island residents.
Butterfield
Butterfield offers Channel Island mortgages through its Guernsey branch for first time buyers, existing homeowners and buy to let investors. Their core range includes fixed rate, base rate tracker, interest-only and specialist products, all administered locally. A distinctive product is the Lifestyle Mortgage, which takes savings, bonuses and investment income into account when assessing affordability rather than relying solely on salary multiples. This is particularly relevant for customers with variable or lumpy income streams. Butterfield's approach to affordability is flexible, with underwriters able to consider the full picture of a customer's finances rather than applying rigid criteria. Up to 10% yearly overpayments are allowed on fixed rate products without incurring early repayment charges.
Products available: 15
NatWest International
NatWest International offers mortgages for local residents buying or remortgaging homes in Guernsey. Borrowing is typically available from £10,000 over terms between 3 and 35 years, subject to status and affordability. Their range includes fixed rate and tracker mortgages, A standout feature is the Family-Backed Mortgage, a joint borrower sole proprietor structure that lets a family member or friend join the mortgage as a non-owning borrower to boost affordability, while the main applicant remains the sole owner of the property. This is particularly aimed at people who could meet payments with support but struggle to borrow enough in their own name. NatWest offers an online calculator so you can get an indication of how much you might borrow.
Products available: 24
Barclays
Barclays offers customers living in Guernsey, with products for first time buyers, home movers, remortgages and buy to let. Their rate sheet shows maximum loan to value ratios typically up to 90% for purchases and remortgages, and up to 80% for additional borrowing, subject to valuation and product criteria. Borrowing is available on repayment or interest-only, with minimum loan sizes usually from £100,000 and lending subject to status, age and affordability checks. A key feature is Barclays' part and part structure, which lets you split your borrowing between a fixed rate and a tracker rate. This allows you to manage how much of your mortgage is exposed to Bank of England Base Rate changes, with fee-free early repayments on the tracker element, while the fixed part is subject to early repayment charges if you overpay beyond agreed limits or redeem during the fixed period. Fixed products in the current range have stepped early repayment charges that reduce each year of the fixed term, for example higher in year one and lower in later years on both 2 and 5 year fixes. This setup can appeal to borrowers who like the idea of mixing rate certainty with some flexibility to overpay without fees.
Products available: 38
Marsden Building Society
Marsden Building Society has been helping people own their homes since 1860. A mutual building society, Marsden offers Guernsey residents a range of mortgage products including residential purchases and remortgages, large mortgages up to £1 million, and specialist later-life mortgages for borrowers aged 55 and over. Interest-only options are available across their range for up to 65% of the property value. In Guernsey, Marsden mortgages are available exclusively through SPF Private Clients, the island's largest and longest-running mortgage broker, who handle applications and provide guidance throughout the process.
Products available: 3
Lloyds International
Lloyds Bank International offers its Islands mortgage range to eligible customers living in Guernsey, covering first time buyers, home movers, remortgages and buy to let borrowing, subject to status and affordability. A key differentiator is their Crown Dependencies Eco Home Mortgage, which offers better mortgage rates than their standard products for customers buying an energy-efficient home or improving an existing property, provided it has an EPC rating of A or B. For existing borrowers, their managing-payments guidance explains how early repayment charges work and notes a concession that currently allows up to 10% overpayments each year before an early repayment charge becomes payable.
Products available: 33
HSBC Channel Islands
HSBC offers mortgages through its Guernsey branches for first time buyers, home movers, remortgages and buy to let, with products designed around the specific challenges of buying a home on the island. Locally based mortgage arrangers in Guernsey branches combine in-depth island knowledge with HSBC's wider expertise, and you can get a decision in principle in your local branch before you start house-hunting. Their Guernsey range includes fixed and tracker mortgages with competitive rates, the ability to borrow up to six times your salary (criteria apply), 95% loan-to-value mortgages with just a 5% deposit, capital-repayment terms up to 35 years and a free standard valuation on all HSBC Guernsey mortgages. HSBC's lending approach combines higher income multiples and higher-LTV options with flexibility to pay down your loan faster. You can make additional payments and overpayments in line with your mortgage terms, and their guidance explains when early repayment charges apply. Tracker and HSBC Variable Rate mortgages come with no early repayment charge and unlimited overpayments, giving extra flexibility if you expect to reduce your balance quickly, while fixed rate products provide payment certainty for a set period in exchange for early repayment limits. This mix can be attractive for buyers with strong earnings who need a smaller deposit.
Products available: 162
Skipton International
Skipton International is a Channel Island lender with a dedicated presence in Guernsey, offering residential, buy-to-let and specialist products such as a 100% mortgage option that uses additional security to help buyers with little or no deposit. They do not charge arrangement fees on their mortgages and, when your existing fixed rate ends, there are no product fees for moving onto a new Skipton deal. All lending decisions are made by local underwriters, and Skipton provides a personal point of contact throughout the application, supported by a simple process and the ability to obtain an Approval in Principle within about ten minutes online or by phone. Their service is non-advised, so they assess affordability but you choose the product, and they are known locally for friendly, professional, award-winning customer service. This combination of no arrangement fees, local decision-making and strong service means Skipton often appeals to borrowers who want a straightforward, relationship-driven lender with options for both standard and higher-loan-to-value borrowing.
Products available: 10