Mortgage guide
Guernsey Mortgages: detailed guide
We assist borrowers with mortgages in Guernsey, with access to International and Private Bank Mortgages, we have bespoke solutions.
- Published
- 18 Aug 2026
- Last reviewed
- 18 Aug 2026
- Reading time
- 2 min
Local Market mortgages in Guernsey
Local Market property makes up the majority of Guernsey’s housing stock and can generally only be occupied by people with Guernsey residential qualifications or an appropriate permit under the island’s population management regime.
Buy to let mortgage Guernsey
A buy to let mortgage in Guernsey is a loan secured against a Guernsey property that the owner lets to tenants rather than occupies. Guernsey buy to let mortgages are assessed primarily on the rental income the property generates, alongside the landlord’s wider financial position. Guernsey’s rental market is supplied largely by Local Market property, and demand from the island’s finance sector workforce supports occupancy.
Open Market mortgages in Guernsey
Open Market property in Guernsey is listed on the island’s Open Market Housing Register and can be occupied by British and Irish citizens and others with the right to live in the Common Travel Area, without local residential qualifications.
Remortgaging in Guernsey
Remortgaging in Guernsey follows the same principles as the mainland: replacing an existing loan with a new one at the end of a fixed or discounted period, raising capital, or changing repayment type.
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