Lender
HSBC Channel Islands
“Our mortgages are designed with the unique challenges of buying a home in Jersey in mind.”
What they offer
First-time buyers
First time buyer? Get a mortgage with a minimum 5% deposit. Max loan size £500,000.
Fixed rate mortgages
With a fixed rate mortgage, the interest rate and monthly payments remain the same for the fixed rate period, which is usually either 2, 3 or 5 years.
Tracker mortgages
You can make unlimited overpayments without incurring an Early Repayment Charge
Interest only
Sole applicants must have a minimum income of £75,000 per annum excluding bonus, commission, overtime and rental income.
Buy-to-let
Available at up to 75% loan to value (LTV). You'll need a minimum 25% deposit for a buy-to-let mortgage.
Remortgage
As described on ciiom.hsbc.com. Check details with them before you book.
Prices
HSBC Channel Islands don’t publish prices on their site.
“All our mortgages come with a standard property valuation, so there's less for you to think about. All mortgages are subject to underwriting and lending criteria that may vary from time to time. You may have to pay fees and charges, including to your existing lender.”
From ciiom.hsbc.com. Prices change: confirm with HSBC Channel Islands before you commit.
In their words
- “Borrow up to 6 times your salary (criteria apply)”
- “95% Loan to Value (LTV) mortgages available”
- “Borrow for up to a 40 year term with a capital repayment mortgage”
- “Get a decision in principle in your local Jersey branch”
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.