Jersey 5 Year Fixed Rate Mortgage

This interest rate on this mortgage is fixed until 30 November 2028 providing customers with certainty over their mortgage repayments, regardless of what might happen to Bank of England base rates.
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Loan to Value
Pay Rate
Minimum Loan
Loan to Value
Up to 75%
Pay Rate
Minimum Loan from
Loan to Value
75.1% to 90%
Pay Rate
Minimum Loan from
Fixed rate of interest until 30 November 2028

Application fees: Fee free*

Early repayment charges: Year 1 – 5%
Year 2 – 4%
Year 3 – 3%
Year 4 – 2%
Year 5 – 1.5%

With effect from 25 October 2023

* Limited time offer

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

  • 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 (6.49%). 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.

  • 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.

  • Product fees

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 Our mortgage products can be withdrawn at very short notice.

View of Jersey Harbour
Purchasing a property in Jersey
Skipton mortgage experts guide you through every step of your mortgage process from the initial enquiry
all the way through to the property purchase.
Skipton Jersey Mortgage Team
Mortgages with Skipton
If you’d like to talk to us about finding a Skipton Jersey mortgage that’s right for you, we’d love to help. Contact us on + 44 (0) 1534 509 501.