Jersey 5 Year Fixed Rate Mortgage

With Fixed Monthly Repayments Make Budgeting Easier with a Fixed Rate Mortgage.

This interest rate on this mortgage is fixed until 30 November 2025 providing customers with certainty over their mortgage repayments, regardless of what might happen to Bank of England base rates.



Product Features


Pay Rate


Application Fees

Early Repayment Charges

Fixed rate of interest until 
30 November 2025

Up to 80%




£1,499 for purchases
and remortgages

£999 for
further advances


To include free standard valuation


5% until 
30 November 2025

80.1% to 85%



85.1% to 90%




With effect from 11 September 2020



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. 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.

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

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 Our mortgage products can be withdrawn at very short notice.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.

Return to Jersey Mortgage page.

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