The purpose of the Scheme is to assist first-time home buyers.Loans are subject to variable rates of interest related to the borrower's income and so are generally below commercial borrowing rates.In the case of house purchase loans, surcharged interest rates are applied when the borrower's financial circumstances would enable him/her to afford a loan from other sources.

Who Qualifies for States Home Loans?

States Home Loans are available to persons who are residentially qualified under the Housing Control Law and who have lived in Guernsey for the five years immediately prior to the Loan being granted.

What can Home Loans be Used for?

Home loans can be used to purchase existing dwellings, including flats, or to construct a dwelling either on a builder-free plot or through a builder-tied development.

Who is Eligible for Home Loans?

In order to be eligible for a loan, applicants should usually not have previously owned a dwelling. Generally they must be able to repay the loan by the age of 65 with a maximum repayment period of 35 years and must be over 18 years of age at the time of the purchase.

Loans Officer
Housing Department
Sir Charles Frossard House
La Charroterie
St Peter Port
Guernsey
GY1 1FH

Tel: +44 (01481) 717212
Fax: +44 (01481) 716457
Email:housing.loans@gov.gg

Reception Opening Hours
9:00 a.m. - 4:00 p.m.