Lender
Barclays Channel Islands
“For Guernsey, Jersey and Isle of Man residents, we offer a range of competitive mortgages to help you buy a property locally.”
Our professionally qualified team all hold the Certificate in Mortgage Advice and Practice (CeMAP).
What they offer
First-time buyers
Barclays will expect you to provide a deposit towards your purchase to at least 10% or 15% (in IoM we now need a minimum of 15%) of the property purchase price.
Remortgaging
Whether you want to access extra cash to refurbish, or are just looking for a new rate, our mortgage experts are here to help find the best Barclays deal for you.
Moving house
Whether you’re upsizing, downsizing or refurbishing an old property, our mortgage experts are here to help find the best Barclays deal for you.
Buy-to-let
A higher deposit may be needed for a buy-to-let property (typically at least 25%)…
Fixed rate mortgages
Pay the same amount each month during the fixed-rate period
Tracker mortgages
A tracker mortgage tracks the Bank of England Base Rate. There are no charges for making overpayments.
Part and part mortgages
Tailor your mortgage to meet your needs by splitting your loan across both fixed and tracker mortgages
Extra borrowing
Need to borrow extra money against your property? We can help you borrow more if you have a good credit score and can afford higher payments.
As described on ciiom.barclays.com. Check details with them before you book.
In their words
- “Whatever your needs, we have a mortgage for you”
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
Other mortgage brokers and lenders in Jersey
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.