Mortgage guide
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.
- Published
- 18 Aug 2026
- Last reviewed
- 18 Aug 2026
- Reading time
- 2 min
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.
Tax treatment differs from the United Kingdom mainland: Guernsey landlords may deduct a proportion of mortgage interest against Guernsey rental income under the island’s interest relief rules, which is covered in the interest relief section below. Fewer lenders offer buy to let products in Guernsey than in the United Kingdom, so lender selection matters.
Mortgage repayment calculator
Guernsey Mortgage Lender Criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Property markets | Local Market and Open Market (Bailiwick of Guernsey) |
| Borrowers | Guernsey residents, Open Market relocators, landlords |
| Maximum Loan to Value (LTV) | Up to 95% |
| Repayment type | Capital repayment, interest only, or part and part |
| Term | Up to 40 years |
| Currency | All currencies approved |
| Security | Bond registered at the Greffe (Guernsey's property registry) |
| Regulator | Guernsey Financial Services Commission (GFSC) |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Product fee | From £0-£995 |
| Type | Residential |
| Rates | From 4.59% |
Related case studies
Frequently asked questions
Can I get a buy to let mortgage in Guernsey?
Yes, buy to let mortgages are available in Guernsey from lenders licensed to lend in the Bailiwick. A Guernsey buy to let mortgage is assessed mainly on the rental income of the property, alongside the landlord's wider finances. Fewer buy to let products exist in Guernsey than in the United Kingdom.
Do I need to live in Guernsey to buy property there?
No, ownership of Guernsey property is not restricted, but occupation is. Anyone can own Guernsey property, but the right to live in a Local Market home depends on residential qualifications or a permit, while Open Market property can be occupied without local qualifications by those lawfully in Guernsey.
Can a Guernsey resident buy a London property with a UK mortgage?
A Guernsey resident can buy a London property with a mortgage from United Kingdom lenders that accept Channel Islands residents. Guernsey residents are treated as overseas borrowers by many mainstream UK lenders, because Guernsey is a Crown Dependency outside the United Kingdom. Specialist lenders, expat lenders, and private banks routinely lend to Guernsey-resident buyers of UK property.
Do I need a Guernsey advocate to buy property in Guernsey?
Yes, Guernsey property purchases are handled by a Guernsey advocate, the island's qualified lawyer, because conveyancing completes before the Royal Court of Guernsey. The advocate also deals with the bond that secures the mortgage, which is registered at the Greffe, Guernsey's public registry.
What is the Buy, Refurbish, Refinance (BRR) strategy using a Guernsey bridging loan?
A BRR strategy uses a Guernsey bridging loan to buy a property, renovate it to increase its value, and then refinance onto a long-term mortgage.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.
Let’s talk property finance
Contact us
Tell us about your plans and a Mortgage Lane adviser will get in touch.
- Call our team
- +44 333 231 8206
- Email us
- enquiries@mortgagelane.com
- +44 7487 829005
- Opening hours
- Monday to Saturday, 8.30am–5.30pm
Closed Sunday
Your enquiry goes to our team, who will get in touch to discuss your next steps.