Banks & lenders
Banks and building societies writing Guernsey residential mortgages directly.
Butterfield Bank (Channel Islands) Limited
Writes local residential mortgages, Local Market and Open Market. GFSC entity page confirms active 'Lending, Credit and Finance - Credit Provider' licence covering Home Finance. Local Lending Team, decisions made locally. Base Rate Tracker and Fixed/Tracker Interest-Only products.
Skipton International Limited
Guernsey-headquartered; describes itself as the largest provider of new residential mortgages in Guernsey. 5-year fixed, 100% mortgage (family guarantee), buy-to-let, Guernsey Housing Association partnership product. GFSC licence page not independently pulled (JS-blocked search) — evidence is its own dedicated product suite plus CI press coverage as dominant local-market lender.
HSBC Bank plc, Guernsey Branch
First-time buyer (95% LTV, up to 6x salary), remortgage, buy-to-let, terms to 40 years. GFSC entity page confirms active Home Finance credit-provider licence separate from banking/investment licences.
Barclays Bank PLC, Guernsey Branch
First-time buyer, remortgage, buy-to-let, fixed/tracker, min. 5% deposit. GFSC entity page explicitly states its Lending, Credit and Finance licence covers 'consumer credit and home finance (excluding equity release)' — the strongest direct regulator citation found in this research.
NatWest International
Mortgages for Jersey/Guernsey/Isle of Man/Gibraltar residents: standard residential, buy-to-let, remortgage, Family-Backed Mortgage (JBSP). SEPARATE entity/brand from RBS International despite shared NatWest Group ownership — RBS International explicitly does not do personal mortgages and redirects to NatWest International.
Lloyds Bank International (Guernsey)
Buy-to-let, remortgage, 5% Deposit Mortgage for first-time buyers (up to £500k) via the Smith Street, Guernsey branch. Evidence: Lloyds' own islands product pages plus a 2026 Lloyds Banking Group press release naming the Guernsey branch.
Investec Bank (Channel Islands) Limited
PRIVATE-BANKING property finance for HNW/executive clients (£500k+ entry), not a mainstream mortgage lender. Named as the top PRIVATE BANK property lender in Guernsey for 5 consecutive years per CI press citing Land Registry bond data (>£50m bonds registered 2023).
Nedbank Private Wealth
PRIVATE-BANKING/HNW property finance — lends against UK/Jersey/Guernsey/Isle of Man residential property, up to 75% LTV, multi-currency. IOM-headquartered with Guernsey presence, not a locally-incorporated bank. No general office line found, only a named credit specialist's mobile — lower confidence contact detail.
Marsden Building Society (via SPF Private Clients Guernsey)
UNUSUAL STRUCTURE: UK FCA-regulated building society, NOT GFSC-licensed, not on the GFSC banking register. Writes genuine Guernsey mortgages (>£100m since 2018) exclusively via Guernsey broker SPF Private Clients. Reportedly the only lender offering retirement/interest-only mortgages across most of its book in Guernsey. Include only if non-GFSC-licensed UK lenders operating via a local broker are in scope.