Broker
Enness Jersey
“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.”
We opened an office in Jersey in 2019
We are authorised by the JFSC and also offer related mortgages in the UK and mainland Europe.
What they offer
Residential mortgages
Buy-to-let mortgages
Buy-to-let mortgages in Jersey may be subject to housing qualifications and individual status
Commercial finance
Mortgages for non-residents
Non-residents may face restrictions based on property type and residency status. Enness can help navigate local rules…
High-value residency (HVR) purchases
Should you qualify for high-value residency in Jersey, Enness will be able to help you with structuring property finance for your purchase.
Bridging and peer-to-peer finance
Lending against international assets
Enness regularly structures cross-border lending solutions where security is pledged outside the Channel Islands to support local property purchases.
As described on ennessglobal.com. Check details with them before you book.
Prices
Enness Jersey don’t publish prices on their site.
“WE MAY RECEIVE COMMISSIONS THAT WILL VARY DEPENDING ON THE LENDER/PROVIDER, PRODUCT, OR OTHER PERMISSIBLE FACTORS. THE NATURE OF ANY COMMISSION MODEL WILL BE CONFIRMED TO YOU BEFORE YOU PROCEED.”
From ennessglobal.com. Prices change: confirm with Enness Jersey before you commit.
In their words
- “1000 + A large network of trusted lenders.”
- “18 + Years of experience.”
- “We work with local and international lenders to offer the most comprehensive mortgages.”
Its published telephone number and email go to its London office.
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.