Broker
SPF Private Clients
“Our highly dedicated mortgage advisers have a wealth of experience and are committed to understanding different clients’ needs so we can tailor lending solutions to fit individual circumstances.”
Registered with the Jersey Financial Services Commission under article 9 of the Financial Services (Jersey) Law 1998 to carry on Class B Investment Business (broking of Life Insurance) and to carry on Class Q General Insurance Mediation Business.
What they offer
Mortgage advice and broking
Rather than being limited to a single bank’s offerings, we have access to all mortgage products on the island. This includes banks, building societies and private lenders.
Tailored applications
…they can accurately assess the repayments you can afford, put your case to the lenders to secure your funding and then present you with mortgage options…
Ongoing support
Mortgage brokers provide ongoing support and guidance even after the deal is closed.
As described on spf.co.uk. Check details with them before you book.
Prices
SPF Private Clients don’t publish prices on their site.
“We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements.”
From spf.co.uk. Prices change: confirm with SPF Private Clients before you commit.
In their words
- “SPF Private Clients - We Can Make It Happen”
- “we have access to all mortgage products on the island”
- “Continuous Support”
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.