Lender
NatWest International
“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.”
What they offer
First-time buyers
With NatWest International, this is at least 10% of the property’s price.
Family-Backed Mortgage
A joint mortgage where only one person owns the property. The 'non-owner' can be a family member or a friend.
Buy-to-let
The property to be worth at least £150,000. Your borrowing to be less than £3.5 million
Moving home
Remortgage
Borrowing more
The minimum borrowing amount on a mortgage is £25,000. A personal loan could be an option if you need less.
As described on natwestinternational.com. Check details with them before you book.
Prices
NatWest International don’t publish prices on their site.
“A non-refundable valuation fee will apply. The fee is agreed directly with the valuer, who will explain how and when payment is made.”
From natwestinternational.com. Prices change: confirm with NatWest International before you commit.
In their words
- “Get help from family or friends to buy your home”
- “you can take the next step with an Agreement in Principle”
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.