Jersey 5 Year Fixed Rate Mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage
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Mortgage information
For a limited time, this mortgage is available Fee Free.
The minimum loan size is £100,000 and the maximum loan to any individual, together with connected persons is £3 million.
No early repayment charges following the end of the fixed period.
Following the fixed rate period the interest rate will revert to Skipton International Channel Island residential follow on rate (5.74%). Our Jersey mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria). For fixed rate mortgages and where the mortgage required for the new property is lower an early repayment charge, as detailed above, will be payable on the difference between the two loans.
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 the fixed rate period, interest to the date of redemption will be payable.
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Fixed rates
On fixed rate mortgages, lump sum payments of up to 10% may be made early without charge each year. For the purposes of this calculation, a year is defined as starting on the commencement of the loan and on the anniversary thereafter; the amount is up to 10% of the balance outstanding on that date. This facility cannot be rolled over into subsequent years if the facility is not used in any one year.
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Product fees
Product fees are non-refundable and must be paid on application. Our mortgage products can be withdrawn at very short notice.
all the way through to the property purchase.
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Jersey Residential RatesCurrent mortgage rates for Jersey residential propertiesPDF - 223KB -
Channel Islands Mortgage Application FormApplication form for mortgages in Guernsey and Jersey, Channel IslandsPDF - 836KB
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Jersey Application FeeFees associated with applying for a Jersey mortgagePDF - 159KB
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Jersey Valuation Fee ScaleThe valuation fee payable is calculated from the fee scale on the basis of the applicant’s estimate of the property valuePDF - 566KB
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Residential RatesView all of our current Jersey residential mortgage rates here.Jersey Residential Rates
