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Guernsey Mortgages

Buy a home in Guernsey with one of our mortgage options

Buying a home in Guernsey, Channel Islands

You might be a first-time buyer looking to get on the property ladder in St Sampson or thinking about remortgaging to buy your dream home in St Martin. Or perhaps you're looking to invest in a buy to let apartment in St Peter Port. Either way, HSBC has a range of competitive mortgage options to suit you.

Our mortgages are designed with the unique challenges of buying a home in Guernsey in mind. And our locally based mortgage arrangers based across our Guernsey branches, combine in-depth local knowledge with the professional expertise you'd expect from HSBC to help you on the way to purchasing your new home.

Choosing a mortgage with HSBC in Guernsey

  • Borrow up to 6 times your salary (criteria apply)
  • 95% Loan to Value (LTV) mortgages available
  • Make additional payments and overpayments subject to your mortgage terms
  • Borrow for up to a 35 year term with a capital repayment mortgage
  • Get a decision in principle in your local Guernsey, Alderney or Sark branch
  • Free standard valuation

Ready to apply for an HSBC mortgage in Guernsey?

Check eligibility and apply

The first step to getting a mortgage is applying for a Decision in Principle. This confirms your eligibility and gives you an idea of how much you can borrow. To get your application underway, fill out our form to request a Decision in Principle.

Need more help?

Call us to book an appointment with a mortgage specialist in one of our branches. You’ll need to bring identification, proof of address and a recent bank statement.

Or call us on

03456 00 61 61

Our lines are open 07:00 to 21:00 every day.

Think carefully before securing other debts against your home.

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

You might be interested in


Find out how much you could borrow or calculate your repayments.


First time buyer? Get a mortgage with a minimum 5% deposit. Max loan size £500,000.


Find out more about payment choices as well as fixed rate and tracker mortgages.


Find out more about how a change to the Bank of England base rate could affect your mortgage.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.