--- title: Mortgages in Jersey date: 2026-07-23T15:03:00+01:00 author: "jonny@ipopdigital.com" canonical_url: "https://www.octagonfinance.co.uk/mortgages-in-jersey" section: Services --- [![Octagon Finance](/dist/images/octagon-finance-logo.svg)![](/dist/images/octagon-finance-wordmark.svg)](https://www.octagonfinance.co.uk/)[Contact us ](https://www.octagonfinance.co.uk/contact) [Octagon Assurance ](https://www.octagonassurance.co.uk) Latest [Personal Loans![](https://www.octagonfinance.co.uk/assets/images/Photos/AdobeStock_488105723-1.jpeg) ## How to Get Your Finances Ready for a Big Life Decision](https://www.octagonfinance.co.uk/advice-hub/how-to-get-your-finances-ready-for-a-big-life-decision) ![](/dist/images/subhero-octagon-pattern.svg) ![](https://www.octagonfinance.co.uk/assets/images/mortgages-jersey.svg)# Mortgages in Jersey. As a mortgage broker for all Jersey high street and private banks with extensive knowledge of current lending criteria, we'll find the best mortgage and lending solutions for you, and guide you through every step. ![](https://www.octagonfinance.co.uk/assets/images/Photos/Mortgages.jpg) ![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)## Find the home. Make it yours. Buying a home is exciting. Sorting the mortgage? Not always. Whether you're buying your first home, moving somewhere new or looking to remortgage, we're here to make the mortgage process feel a whole lot simpler. As an independent mortgage broker in Jersey, we'll help you understand your options, find the right mortgage and guide you through every step. ![](https://www.octagonfinance.co.uk/assets/images/Photos/paul-octagon-mortgage.jpg) ## Types of mortgages we arrange [### First-time buyer mortgages Buying your first home? We’ll help you understand your options and find a mortgage that works for you. First-time buyer mortgages ](https://www.octagonfinance.co.uk/mortgages-in-jersey/first-time-buyers)[### Remortgages Coming to the end of your current deal? We’ll help you explore your remortgage options and find out what could work for you. Remortgages ](https://www.octagonfinance.co.uk/mortgages-in-jersey/remortgage)[### Home Mover If you're an existing homeowner planning to move house, we can help you mortgage your new home. Home Mover mortgages ](https://www.octagonfinance.co.uk/mortgages-in-jersey/home-mover-mortgages)[### Buy-to-let mortgages Looking to invest in property? We’ll help you explore buy-to-let mortgage options that fit your plans. Contact us to discuss your options ](#apply) ![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)## Mortgage Calculator. How much could you borrow? Get a quick estimate of what your mortgage could look like and start getting a feel for your options. Property Purchase PriceDeposit AmountInterest RateMortgage Term ### Repayment £2,575.89 ### Mortgage Amount £450,000 ### Legal Fees £2,500 ### Stamp Duty £8,090 ### Total Mortgage Payable £783,358 First time buyer[Get a quote](#apply) ## Let’s talk mortgages Book an appointment with Paul at Octagon Finance to talk through your mortgage plans, understand your options and get clear, straightforward advice. ![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)**Buying a home? Let's get you there.** Whether you're buying your first home, moving up the property ladder or refinancing your existing mortgage, we'll help you understand what's available. We'll take the time to understand what you're looking to achieve, explain your options in plain English and guide you through the mortgage process from start to finish. ###### *Your property or home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to status and eligibility criteria.* **Independent advice. More choice.** We're an independent mortgage broker, which means we're not tied to one lender or mortgage provider. We can look across a range of options to help find a mortgage that's right for you. From understanding your borrowing options to getting your application over the line, we'll be by your side with straightforward advice and a human approach. **Ready to talk mortgages?** Buying a home or thinking about remortgaging? Come and speak to the friendly team at Octagon Finance. Pop into our office at 3 Mulcaster Street, St Helier, or give us a call on **01534 744900**. Prefer to start online? Get in touch using our simple, fuss-free form and we’ll help you explore your mortgage options. [Apply online ](#apply) ## Mortgage FAQs Got questions? We’ve got answers. ![](/dist/images/faq-pattern-green.svg) How much can I borrow for a mortgage in Jersey?How much you can borrow depends on factors such as your income, outgoings, deposit and personal circumstances. We'll look at your situation and help you understand how much you could potentially borrow. How much deposit do I need to buy a home in Jersey?The deposit you'll need depends on the mortgage and lender. A larger deposit can sometimes give you access to more mortgage options or different rates. We'll explain what's available based on your circumstances. What is conveyancing?Conveyancing refers to the legal procedure required to transfer real estate ownership from a seller to a buyer. The process commences once your offer is officially accepted by the seller and finishes on completion day, when it is passed through Royal Court in Jersey and you receive the keys. Typically, a qualified Jersey solicitor or advocate will oversee all the necessary legal checks and documentation to secure your new home. What is a survey, who does it and what is involved?A property survey provides a comprehensive assessment of a property's condition prior to purchase completion. It helps uncover hidden defects, structural concerns, and future maintenance obligations, shielding you from unanticipated repair expenses. In Jersey, qualified independent RICS Chartered Building Surveyors perform these inspections. **Survey Types in Jersey** When purchasing a property in Jersey, you will encounter two distinct survey types: **Bank Valuation Survey (Mandatory)** - **Overview:** A fundamental assessment organised by your mortgage provider. - **Purpose:** Designed to protect the lender by confirming the property's value covers the requested loan amount, rather than identifying underlying structural faults. **Independent Home Survey (Optional but Highly Recommended)** - **Overview:** A thorough, detailed evaluation commissioned directly by you for complete assurance. - **Purpose:** Serves your interest as the buyer. Uncovering significant issues such as cost involved with essential repairs, providing leverage to renegotiate the purchase price with the seller. How do I apply for a mortgage in Jersey?The first step is to speak to our team. We'll get to know you, understand what you're looking to achieve and explain your mortgage options. From there, we'll guide you through the application process from start to finish. ![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)## Mortgage Advice Hub Read the mortgage guidance from the Octagon Finance team [View all ](/advice-hub) [Personal Loans ![](https://www.octagonfinance.co.uk/assets/images/Photos/AdobeStock_488105723-1.jpeg) ### How to Get Your Finances Ready for a Big Life Decision](https://www.octagonfinance.co.uk/advice-hub/how-to-get-your-finances-ready-for-a-big-life-decision) [Personal Loans ![](https://www.octagonfinance.co.uk/assets/images/Photos/Octagon-Office-New.png) ### Finance Jargon Explained: The Terms You Need to Know](https://www.octagonfinance.co.uk/advice-hub/finance-jargon-explained-the-terms-you-need-to-know) [Mortgages ![](https://www.octagonfinance.co.uk/assets/images/Photos/andum-home-v3.jpg) ### First-Time Buyer in Jersey? 10 Things You Need to Know Tiago Silva ](https://www.octagonfinance.co.uk/advice-hub/first-time-buyer-in-jersey-10-things-you-need-to-know) [Mortgages ![](https://www.octagonfinance.co.uk/assets/images/Photos/AdobeStock_458743888.jpg) ### Buying a home in Jersey: The complete guide](https://www.octagonfinance.co.uk/advice-hub/buying-a-home-in-jersey-the-complete-guide) ![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)![](/dist/images/corner-oct.svg)## Explore our services Whatever you're looking to achieve, our experienced team can help you explore your options and find the right way forward. [Contact us ](https://www.octagonfinance.co.uk/contact) [![](https://www.octagonfinance.co.uk/assets/images/Photos/Personal-Loan.jpg) ![](https://www.octagonfinance.co.uk/assets/images/personal-loans.svg)### Personal Loans Flexible finance for life’s bigger purchases, with clear advice to help you borrow confidently.](https://www.octagonfinance.co.uk/personal-loans) [![](https://www.octagonfinance.co.uk/assets/images/Photos/Business-Finance-2.jpg) ![](https://www.octagonfinance.co.uk/assets/images/business-finance.svg)### Business Finance Funding for your business, with expert advice to help you find the right way forward.](https://www.octagonfinance.co.uk/business-finance) [![](https://www.octagonfinance.co.uk/assets/images/Photos/Private-Finance-2.jpg) ![](https://www.octagonfinance.co.uk/assets/images/private-finance.svg)### Private Finance Bespoke finance for more complex needs, backed by expert advice and a personal approach.](https://www.octagonfinance.co.uk/private-finance) [![](https://www.octagonfinance.co.uk/assets/images/Photos/Debt-Consolidation.jpg) ![](https://www.octagonfinance.co.uk/assets/images/private-finance.svg)### Debt Consolidation Bring your debts together with clear, practical advice to make your finances easier to manage.](https://www.octagonfinance.co.uk/debt-consolidation)