Lender
Butterfield
“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.”
What they offer
Fixed rate mortgages
Our Fixed Rate mortgage is ideal for those who want to know what their monthly outgoings will be… Minimum loan £100,000
Base rate trackers
We offer a 2-Year Base Rate Tracker mortgage… ideal when there is uncertainty in the market. Minimum loan £100,000
Interest only
Our Interest Only mortgage is available as a Fixed Rate or Base Rate Tracker… Minimum loan £100,000
Lifestyle Mortgage (offset)
Our Lifestyle Mortgage is ideal for those professionals with a minimum household income of £120,000… Minimum loan £400,000
Buy-to-let
…Buy-to-Let mortgages to clients looking to purchase investment properties, in either their personal names or in a non-personal structure. Minimum loan £200,000
Andium Housing Schemes + First Step
Bespoke lending
Butterfield is always open to discuss bespoke solutions that do not necessarily fit into our standard parameters.
As described on butterfieldgroup.com. Check details with them before you book.
Prices
Butterfield don’t publish prices on their site.
“For our Capital and Interest Fixed Rate, 2-Year Base Rate Tracker and Standard Base Rate Tracker mortgages there is currently no arrangement fee. This offer does not apply to the Buy-to-Let (personal) mortgages. Legal fees, document duty and valuation costs are the responsibility of the Applicant.”
From butterfieldgroup.com. Prices change: confirm with Butterfield before you commit.
In their words
- “all lending decisions made locally”
- “we will respond to your mortgage application within a few days”
- “Our flexible affordability criteria is not based on salary multiples, meaning you may be able to borrow more.”
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.