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Frequently Asked Questions

  • What are the mortgage rates in Jersey?

    For borrowers with the right profile, we can broker a 20 to 30-year mortgage (up to 67 years old or retirement, whichever comes first) with fixed rates starting at 1.20% (2 years), 1.90% (5 years) or 2.50% (10 years). The mortgage then reverts to the bank's Standard Base Rate Tracker until the end of the loan term. 80% LTV maximum. Other competitive packages will be available for individuals with a high net worth and solid financials.

  • What LTV can I get in Jersey?

    If you are a first-time buyer, some lenders will offer 85% or 90% LTV, so a deposit of 10% - 15%. However, most lenders prefer to provide 75% - 80% mortgages.

    If you are looking for a high-value Jersey mortgage, some lenders will offer a lower LTV, but only in some instances – typically for high-net-worth individuals. VIP borrowers or high-net-worth individuals may be able to benefit from 100% mortgages. However, you will usually need to put down significant assets under management with a bank to qualify.

    You may find that it is advantageous to opt for a lower LTV mortgage if it means you benefit from better rates over the loan term – your broker will be able to explain your options here.

  • Can a Jersey national get a mortgage in the UK?

    Yes, Jersey nationals can get UK mortgages, provided you are on solid financial footing and can easily afford it. Whether a Jersey lender or a UK mainland lender is better for you is likely to depend on your financial situation, where your assets are located and finance requirements. 

  • What are the regulations to get a mortgage in Jersey?

    Affordability is critical for a mortgage in Jersey, and lenders need to meet certain criteria and regulations in this respect. You may have several options for a mortgage, depending on your net worth, financial background and plans, but every option is conditional on you being able to comfortably make repayments over the loan term.


London HQ


64 North Row
London W1K 7DA


Islay Robinson

Islay Robinson

[email protected]

Monaco Office


Le Cimabue
16 Quai Jean-Charles Rey
98000 Monaco


Dubai Office


Office 13
Boulevard Plaza Tower 1
Burj Khalifa Street
Dubai, UAE


Jersey Office


Office 17, First Floor
International Finance
Centre 5, The Esplanade
St Helier JE2 3BY


Zurich Office


C/o Interis AG
8001 Zürich


Geneva Office


Route de Pré-Bois 29
World Trade Center
1215 Meyrin

Our Approach to New Requests and Clients

  • Step 1: First Contact


    All first contacts are managed by a relationship manager who understands the market we operate in, can quickly see if we can help or not, and will match the client to the best possible broker based on their needs. 

  • Step 2: Arranging a Meeting


    The client will then speak to the broker at a time that suits them and over the most appropriate medium – we get this part arranged as fast as possible and can often happen instantly.

  • Step 3: Meeting your Broker


    The broker will work quickly to understand the client’s position, background, circumstances and plans. At this stage, we will only talk and we won’t ask for paperwork or forms to be filled unless it is absolutely necessary.

  • Step 4: Discussing your Options


    The broker will then explain what we think is possible (from the widest view of the market), what it will cost, what the process will be and what the risks or problems to be overcome are.

  • Step 5: Agreeing on your Mortgage


    At this point, if the client is happy, we will set to work on agreeing on the mortgage terms in principle, assembling paperwork and documents to support the case, discussing the lending request with the correct people at the banks we think are best placed and doing as much as possible to ensure the first approach will work.

  • Step 6: Submitting your Application


    Then, at this point, if the client wishes to proceed with a formal application, our fees are agreed and we set to work on the formal application. 

  • Step 7: Closing the Deal

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    Through the entire process, we will be hands-on and pushing every detail to ensure the transaction is completed as cleanly and quickly as possible, managing all other parties in the process.