Lender
Santander International
“Whether you’re a first time buyer, remortgaging from another lender or thinking about buying a new property, a Santander International mortgage could be for you.”
What they offer
First-time buyers
Competitive range of mortgages with as little as 5% deposit
NextGen100 Mortgage
NextGen100 combines a 100% repayment mortgage with a family member’s fixed deposit, helping you buy your first home without a cash deposit.
Fixed rate mortgages (2, 5 and 10 year)
Do you want peace of mind of paying the same amount each month? If you do a fixed rate mortgage may be more suitable for you.
Lifetime Tracker Mortgage
Lifetime Tracker Mortgage - the interest rate guarantees to track the BoE base rate for the lifetime of this mortgage.
Buying your next home
We can help make arranging your new mortgage straightforward.
Remortgaging to Santander
If you have a mortgage with another lender and you’re looking to move your mortgage to us (also known as remortgaging), we can help you find our best deal
As described on santanderinternational.co.uk. Check details with them before you book.
Prices
Santander International don’t publish prices on their site.
“No product fee and one free standard valuation (on a property valued up to 1.6 million) on selected mortgages”
From santanderinternational.co.uk. Prices change: confirm with Santander International before you commit.
In their words
- “Competitive range of mortgages with as little as 5% deposit”
- “No product fee and one free standard valuation (on a property valued up to 1.6 million) on selected mortgages”
- “Buy your first home with no cash deposit.”
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.