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ARTICLE · 28 JULY 2025

Preparing For Guernsey's New Equity Release Regime: What Advisers Need To Know

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The Guernsey Financial Services Commission (GFSC) has published its Feedback Paper outlining amendments to the Lending, Credit and Finance Rules and Guidance...

GuernseyFinance and Banking
Jamie Bookless
Jamie Bookless
Chris Hutley-Hurst
Chris Hutley-Hurst
Mutsa Dodzo
Mutsa Dodzo
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Effective January 2026, new rules will come into effect and establish an equity release regime in Guernsey.

The Guernsey Financial Services Commission (GFSC) has published its Feedback Paper outlining amendments to the Lending, Credit and Finance Rules and Guidance, 2023 (LCF Rules). There are also a number of elements that will be incorporated in changes to the Lending, Credit and Finance (Bailiwick of Guernsey) Law, 2022 (LCF Law). This follows a December 2024 consultation proposing to regulate equity release products, namely, lifetime mortgages and home reversion plans in the Bailiwick. The regime will take effect 1 January 2026, with key implications for financial advisers.

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