Mortgage brokers & independent financial advisers
Firms that arrange property finance for Guernsey buyers — brokers and IFAs, not the lenders themselves (see Banks & lenders).
One firm in this list publishes its current Guernsey mortgage rates, and this site reads them every morning — see the rates, fees and maximum loan to value. A firm appearing in this directory is not an endorsement, and this site is paid nothing by anyone on this page.
SPF Private Clients (Channel Islands) Ltd
Describes itself as Guernsey's longest-running and largest mortgage broker; whole-of-market (not tied to one lender). Covers first-time-buyer, expat and specialist/complex-income mortgages, plus real estate debt advisory and related insurance. Part of the Howden group.
Cherry Godfrey Holdings Ltd
Independent mortgage brokers with access to mainstream lenders across Guernsey, Jersey, Isle of Man, Isle of Wight and Southampton; residential, buy-to-let, remortgage and first-time-buyer. Guernsey office (No 1 Fountain Street, St Peter Port) is the primary base.
Oracle Finance
Guernsey-based team combining Independent Financial Advisers, mortgage consultants and insurance brokers; general residential mortgage, loan and protection advice. No explicit first-time-buyer/HNW segmentation found on site.
Gower Financial Services Ltd
Locally owned Guernsey IFA (founded 2004); dedicated mortgage-advice arm (Gower Mortgages, headed by Neil Stanford) is whole-of-market/not tied to any lender, alongside pensions, investments and life insurance.
Adrian Welch Finance Brokers Ltd
GFSC-licensed (Provider of Services Ancillary to Credit) sole-trader-scale finance broker. Site advertises personal loans, home-improvement loans, consolidation, vehicle and business finance rather than residential-purchase mortgages specifically — include with caution as a general finance/credit broker, not confirmed as a primary property-purchase mortgage arranger.
Falbros Ltd
UK FCA-regulated brokerage (ref 745807) based in Mayfair, London — NOT physically based or GFSC-licensed in Guernsey. Trades under two near-identical brand names arranging Guernsey/Channel Island mortgages remotely for expats and foreign nationals from 75+ countries, working with international/offshore lenders and private banks. Flag as an offshore-facing UK broker rather than a local firm.
Enness Limited
UK-based (London/Dubai/Nice) specialist high-net-worth mortgage broker, access to 500+ lenders including private banks; markets itself for high-value Guernsey/Open Market home loans for international buyers with complex finances. No Guernsey office — arranges Guernsey mortgages remotely.