Jersey Next Generation Mortgage

Introducing the 100% LTV next Generation Mortgage

This 100% LTV mortgage overcomes an increasing problem for first and second time buyers, the funding of a deposit, so will be attractive to those looking to join the property ladder in Jersey or move up to a larger home. Buyers will need the support of a family member who is prepared to help them by providing a guarantee.

A single call to our friendly mortgage team on 730730 could give you a personal mortgage illustration and a decision in principle on how much you could borrow.

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Skipton International Mortgage


The Next Generation Mortgage approach has the advantage of the guarantor maintaining ownership of funds and benefiting from interest income if the security is in the form of an offshore deposit account with Skipton International Limited. Whilst security is in place the guarantor will not be able to withdraw funds from the guarantee account.

Whilst many people would like to financially assist house buyers within their family they may not be able or wish to gift sufficient monies.

The guarantee may be held as an interest earning offshore deposit with Skipton International Limited or taken as a bond on a suitable property in Guernsey or Jersey, such as a family home. The guarantee will be equivalent to the value of the mortgage that is in excess of 85% LTV.

The Next Generation Mortgage is offered with the following interest rate option:

  • 4.74% fixed until 31 March 2022 (5.6% APR)

On maturity a variable rate will be offered of 1% above Skipton International's Standard Variable Rate or further new fixed rates may be offered.

For further information please read Our Frequently Asked Questions.

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* Limited time offer

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