Jersey Mortgages

Jersey Base Rate Tracker mortgage

From 2.24% (3.7% APR)

Jersey 5 Year Fixed Rate mortgage

From 2.69% (3.6% APR)

Jersey Next Generation mortgage

From 3.99% (4.3% APR)

Jersey Buy-To-Let mortgages

From 3.84% (4.9% APR)
Product featuresLTVPay rateAPRApplication feesEarly repayment charges
Guaranteed to track the Bank of England Base

Rate for three years (with a Base rate floor of 1.00%)
Up to 70%2.24% (Base + 1.24%)3.7%Fee Free*Year 1 - 3%

Year 2 - 2%

Year 3 - 1%

70.1% to 80%

2.54% (Base + 1.54%)


80.1% to 85%

2.74% (Base + 1.74%)


85.1% to 90%

3.14% (Base + 2.14%)3.9%

With effect from 5 May 2022

*Limited time offer



The minimum loan size is £100,000 and the maximum loan to any individual, together with connected persons is £3 million.

Following the tracker period the interest rate will revert to Skipton International Channel Island residential follow on rate. Our Jersey mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria).

Interest is calculated on a daily basis and monthly payments must be made in arrears by direct debit on the first working day of each month. As with all mortgages, if the mortgage is repaid after the end of tracker period, interest to the date of redemption will be payable.

Product fees are non-refundable and must be paid on application. Our mortgage products can be withdrawn at very short notice.

Click here to view all of our Jersey residential interest rates.

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Your home may be repossessed if you do not keep up repayments on your mortgage.