Mortgages in Guernsey

We aim to make arranging your mortgage simple and easy, however complex your needs.

Largemortgagesloans.com has set up new lending arrangements, bringing exclusive funds to the island, and can now service clients mortgages in Guernsey. As an independent mortgage broker, largemortgageloans.com is excellently placed to service the residential, Buy to Let and commercial mortgage requirements of local Guernsey residents.

Residential Mortgages

Later Life Lending

Many banks won’t lend beyond the age of 70, however, we have access to lenders who take a more pragmatic approach to lending to older borrowers. Bespoke lending may be available where age is not the ultimate factor in the decision to lend.

Even if you may not have considered a mortgage as a suitable solution, we may be able to offer you a viable long term opportunity, to help the next generation in their financial future, or to help you stay in your home for longer.

Family Mortgages

A Family Mortgage can offer you a great opportunity to combine your family’s financial strength and share the load, to help the people you love take the next financial step in their lives.

A Family Mortgage can increase your family’s buying power. With most young adults only having a limited deposit, it can be struggle for them to afford to take out a mortgage on their own. We can offer families the chance to make a mortgage more affordable, by utilising property of other family members as additional security for the borrower.

The Family Mortgage brings this wider family wealth into the mortgage calculation, helping to reduce the cost for the borrower but not asking family members to hand it over as a gift.

As an example, if you were buying a property for £300,000 it may be possible to borrow 95% of the purchase price, in this case £285,000. This would mean the family would provide additional required security of £90,000 by way of a first or second legal charge, secured on their property. This can be provided from up to 12 family members.

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

Commercial Mortgages

Commercial investment mortgages in Guernsey are designed for individuals and companies purchasing a business property as an asset, profiting from rents and property value appreciation.

We can service the requirements of investors who want to arrange commercial property mortgages for properties such as hotels, offices or warehouses. largemortgageloans.com also has extensive experience in arranging Buy to Let mortgages for professional landlords with a portfolio of properties, as well as landlords with just one or two.

We understand that customers can struggle to find a High Street lender that can cater for the needs of a commercial mortgage, especially when buying in Guernsey – that’s where a specialist mortgage broker like us can help. We offer access to private banks and commercial lenders and have extensive knowledge of arranging this type of lending.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME ASPECTS OF COMMERCIAL MORTGAGES.

Development Finance

Property development finance is funding for either new building projects or comprehensive renovations. We can source development finance for residential, commercial and mixed-use projects. We’ve spent the last 15 years helping new and experienced property developers find the finance they need to start and complete their developments.

We have unlimited access to the market and have relationships with a panel of specialist property development lenders and other institutions, helping us to find you a tailored solution.

At largemortgageloans.com, we deliver truly independent solutions, providing proactive advice while dealing with all aspects of our clients’ circumstances. Our highly experienced specialist Mortgage Managers have extensive experience in arranging large and complex mortgages. We aim to make arranging your mortgage simple and easy, however complex your needs.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME ASPECTS OF COMMERCIAL MORTGAGES.

Our services


Our insights


We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.

Reviews


Specialists in creating innovative and bespoke funding solutions for complex situations for High Net Worth Clients.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk.  The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending.  

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.  

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.