Broker
The Mortgage Shop
“Let us shop around for you, guiding you on all the elements that go into purchasing a home and taking the sting out of mortgage application.”
- Founded in 1990
Henley Offshore Financial Services Ltd, trading as The Mortgage Shop & Henley Financial, is regulated in the conduct of investment business by the Jersey Financial Services Commission
What they offer
First-time buyers
Submit your information to us once, and we’ll send your application to every local lender simultaneously, accessing over 200 mortgage options…
100% (guarantor) mortgages
Otherwise known as Guarantor mortgages, these mortgages allow you to buy without the need for a deposit with the backing of a third party…
Assisted Purchase Pathway
The Government of Jersey offers an Assisted Purchase Pathway for first time buyers, allowing you to access schemes such as Andium Homebuy.
Remortgage
Make the most of your home by exploring remortgage options.
Buy to let
Whether you’re new to property investment or a seasoned landlord, we’re here to simplify the journey.
Moving house
Refinance your mortgage for better terms.
Bridging finance and personal lending
Life and mortgage protection insurance
Affordable coverage for peace of mind.
As described on mortgageshop.je. Check details with them before you book.
In their words
- “Register Once. Apply everywhere.”
- “We offer access to over 200 mortgage options”
- “Book a free appointment”
- “25 years of mortgage expertise”
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.