Mortgages in Jersey
A repayment calculator, the island’s brokers, and the lenders.
13 businesses
What would it cost each month?
- Stamp duty
- £8,090incl. £90 fee
- Deposit towards price
- £41,910
- Cash on completion
- £50,000
Enter the interest rate a lender or broker has quoted you to see the monthly payment. We don’t publish lenders’ rates: they change too often to show one honestly.
Mortgage brokers
5Independent firms that search across lenders for you.
Enness Jersey
Broker, Regus, Floor One, Liberation Station, St Helier, JE2 3AS
We opened an office in Jersey in 2019 with an aim to help local individuals and incoming residents secure the best possible mortgages in Jersey.
- Residential mortgages
- Buy-to-let
- Non-resident buyers
- Commercial finance
Integritas Wealth Partners
Broker, 13 Broad Street, St Helier, JE2 3RR
Applying for a mortgage does not need to mean approaching banks one by one. Through Integritas, your application can be presented to a range of carefully selected lenders…
- First-time buyers
- Buy-to-let
- Remortgage
- Bridging
Octagon Finance
Broker, Ground Floor, 3 Mulcaster Street, St Helier, JE2 3NJ
As a mortgage broker for all Jersey high street and private banks with extensive knowledge of current lending criteria, we’ll find the best mortgage and lending solutions for you, and guide you through every step.
- Residential purchase
- Remortgage
SPF Private Clients
Broker, 2nd Floor, Titan House, Liberation Square, St Helier, JE4 3NA
Our highly dedicated mortgage advisers have a wealth of experience and are committed to understanding different clients’ needs so we can tailor lending solutions to fit individual circumstances.
- Residential mortgages
- First-time buyers
- Protection
- General insurance
The Mortgage Shop
Broker, 2-6 Church Street, St Helier, JE2 3NN
Let us shop around for you, guiding you on all the elements that go into purchasing a home and taking the sting out of mortgage application.
- First-time buyers
- Remortgage
- Buy-to-let
- Moving house
Lenders offering Jersey mortgages
8Banks and building societies you can apply to directly.
Barclays Channel Islands
Lender
For Guernsey, Jersey and Isle of Man residents, we offer a range of competitive mortgages to help you buy a property locally.
- Jersey mortgages
Butterfield
Lender
Everyone deserves a home they love. Our friendly on-island experts understand the intricacies of local markets and we offer an extensive suite of products to meet almost every mortgage need.
- Jersey mortgages
HSBC Channel Islands
Lender
Our mortgages are designed with the unique challenges of buying a home in Jersey in mind.
- Jersey mortgages
Investec Channel Islands
Lender
- Mortgages from £500,000
- Buy-to-let
- Jersey mortgages
NatWest International
Lender
NatWest International offers a range of mortgages to help customers resident in Jersey, Guernsey, Isle of Man or Gibraltar to buy a home or property.
- Jersey mortgages
- Buy-to-let
Santander International
Lender
Whether you’re a first time buyer, remortgaging from another lender or thinking about buying a new property, a Santander International mortgage could be for you.
- Jersey mortgages
Skipton International
Lender, St Helier
With a range of Jersey mortgages designed specially for the local market, plus friendly award-winning professional service, here in Jersey, you will have selected the right lender with Skipton.
- Jersey mortgages
- Buy-to-let
How mortgages work in Jersey
Most buyers go straight to a bank
About a quarter of Jersey mortgages go through a broker.
Mortgage advice is not yet a regulated activity
Regulation of lending and broking is on its way.
Share transfer and flying freehold
Check your lender is happy with the tenure first.
Budget for stamp duty and the survey
Deposit, stamp duty, legal fees and a survey.
How it works, in more detail
Most buyers go straight to a bank
Jersey mortgages are offered by a small number of island and Channel Islands lenders, and most borrowers apply to one directly. A broker searches across lenders for you; according to SPF, about a quarter of Jersey mortgages are arranged through a broker.
Mortgage advice is not yet a regulated activity
Jersey does not currently regulate mortgage advice or lending to individuals, beyond the supervision of banks as deposit-takers. Some brokers hold Jersey Financial Services Commission licences for the insurance or investment business they also do. The States adopted a consumer credit law in July 2025, which is due to bring lending and broking under the Commission’s supervision.
Share transfer and flying freehold
Not every lender treats every tenure the same way. Share transfer flats and flying freehold are worth raising with a lender or broker before you offer. See how conveyancing works in Jersey.
Budget for stamp duty and the survey
On top of the deposit you pay stamp duty on completion — the stamp duty calculator works it out — plus legal fees and, if you want one, a survey.
Sources: gov.je — consumer credit regulation · gov.je — Code of Practice for Consumer Lending · Bailiwick Express — SPF on the Jersey broker market
Details taken from each business’s own website on , listed alphabetically and in no order of merit. Homely does not recommend or endorse any of them. Something wrong, or want your business removed? Email info@homely.je.