Broker
Octagon Finance
“As a mortgage broker for all Jersey high street and private banks with extensive knowledge of current lending criteria, we’ll find the best mortgage and lending solutions for you, and guide you through every step.”
- JFSC Registration Number: 125035
Octagon Finance was established in 2017
As a participant in the Consumer Lending Code of Practice in Jersey, supported by the Jersey Consumer Council, we are committed to responsible lending.
What they offer
Mortgages
If you are looking to buy a new home, upsize or remortgage, you can count on us for personalised and honest mortgage advice.
Private finance (short-term property loans)
Octagon Finance is set to become the local market leader for private finance for short-term property loans, with more than £20m currently in circulation.
Personal loans
With unsecured loans of up to £50,000 and secured personal loans from £50,000 to £100,000 and above…
Debt consolidation
Let us help you take care of those debts by consolidating multiple repayments into one manageable monthly sum.
Business loans
Come and chat to our experts to find out how a business loan can be an affordable and workable way to take your company to the next level.
As described on octagonfinance.co.uk. Check details with them before you book.
Prices
Octagon Finance don’t publish prices on their site.
“We will always give you our best quote”
From octagonfinance.co.uk. Prices change: confirm with Octagon Finance before you commit.
In their words
- “Find the home. Make it yours.”
- “We will always give you our best quote”
- “honesty, professionalism and a human touch”
Octagon also lends in its own name (personal, business and short-term property loans).
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.