First Time Buyer Guide
Buying your first home in Jersey is an exciting milestone. Understanding the mortgage options available to you is the first step.
What You Need to Know
Deposit requirements: Most Jersey lenders require at least 10% deposit for first-time buyers, though a larger deposit reduces your loan-to-value and unlocks lower interest rates.
How much you can borrow: Lenders generally allow you to borrow between four and five times your annual income, and if you are buying with a partner both incomes can usually be combined.
Government support and local criteria can vary by jurisdiction and lender.
The Steps to Your First Mortgage
Work out your budget, compare the products available to you, get a decision in principle, and make an offer once you know what you can afford. Reading a buyers' guide will walk you through the legal and practical steps from offer to completion.
Compare First Time Buyer Mortgages
Use swoop.je to compare first-time buyer mortgage products and find the best rate for your situation.
Mortgage products available to first-time buyers in Jersey
| Lender | Product | Rate type | Initial rate | APRC | Initial term | Max LTV | Min deposit | Fees |
|---|---|---|---|---|---|---|---|---|
| Lloyds International | 2 Year Eco Tracker | Tracker | 4.30% | 6.60% | 2-year | 85% | 15% | £995 arrangement fee |
| Lloyds International | 2 Year Premium Tracker | Tracker | 4.40% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker | Tracker | 4.45% | — | 2-year | 80% | 20% | £999 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker Andium First Step (First time buyer) | Tracker | 4.45% | — | 2-year | 80% | 20% | £999 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.49% | 4.60% | — | 60% | 40% | £999 arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 4.49% | 6.10% | 10-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.50% | 6.60% | 2-year | 75% | 25% | £995 arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 4.54% | 6.10% | 10-year | 60% | 40% | No arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.55% | 4.70% | — | 70% | 30% | £999 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.55% | 4.70% | — | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Eco Home Fixed | Fixed | 4.64% | 6.70% | 2-year | 90% | 10% | No arrangement fee |
| Lloyds International | 5 Year Eco Home Fixed | Fixed | 4.64% | 6.10% | 5-year | 90% | 10% | No arrangement fee |
| Butterfield | 2 Year Base Rate Tracker | Tracker | 4.65% | — | 2-year | 90% | 10% | £999 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker Andium First Step (First time buyer) | Tracker | 4.65% | — | 2-year | 90% | 10% | £999 arrangement fee |
| Lloyds International | 3 Year Premium Tracker | Tracker | 4.65% | 6.70% | 3-year | 85% | 15% | £995 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.69% | 4.80% | — | 80% | 20% | £999 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 4.74% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.74% | 5.90% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.74% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.74% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 4.75% | 6.70% | 2-year | 85% | 15% | £995 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.79% | 5.90% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 3 Year Eco Home Fixed | Fixed | 4.79% | 6.50% | 3-year | 90% | 10% | No arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 4.79% | 6.20% | 10-year | 70% | 30% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.79% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.79% | 6.70% | 2-year | 75% | 25% | £995 arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 4.84% | 5.00% | — | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.84% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.84% | 5.70% | 5-year | 60% | 40% | £999 arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 4.84% | 6.20% | 10-year | 70% | 30% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.84% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 4.84% | 6.60% | 2-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | No arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 4.84% | 6.30% | 10-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | £995 arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 4.84% | 6.20% | 5-year | 60% | 40% | £995 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 4.84% | 6.30% | 2-year | 60% | 40% | £999 arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 4.84% | 6.30% | 5-year | 60% | 40% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.84% | 6.70% | 2-year | 60% | 40% | No arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 4.84% | 6.60% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.84% | 6.70% | 2-year | 85% | 15% | £995 arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 4.85% | 5.00% | — | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.89% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 4.89% | 6.20% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 4.89% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| Skipton International | 3 Year Base Rate Tracker | Tracker | 4.89% | 6.40% | 3-year | 75% | 25% | £1,499 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 4.89% | 6.10% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.89% | 6.70% | 2-year | 75% | 25% | £995 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.89% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.89% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.89% | 5.70% | 5-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 4.89% | 6.70% | 2-year | 75% | 25% | No arrangement fee |
| Lloyds International | 3 Year Premium Fixed | Fixed | 4.89% | 6.50% | 3-year | 60% | 40% | £995 arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 4.89% | 6.30% | 10-year | 75% | 25% | No arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 4.90% | 5.00% | — | 75% | 25% | No arrangement fee |
| Lloyds International | 5 Year Fixed (Buy-to-let) | Fixed | 4.90% | 6.40% | 5-year | 60% | 40% | £995 arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 4.90% | 5.00% | — | 70% | 30% | No arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 4.94% | 6.60% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 4.94% | 6.30% | 5-year | 60% | 40% | No arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.94% | 5.90% | 2-year | 60% | 40% | No arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 4.94% | 6.30% | 5-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.94% | 6.70% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.94% | 6.30% | 2-year | 85% | 15% | £995 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 4.94% | 6.30% | 5-year | 75% | 25% | £995 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 4.94% | 6.10% | 2-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.94% | 6.20% | 2-year | 80% | 20% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.94% | 5.80% | 5-year | 75% | 25% | £999 arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 4.94% | 6.30% | 10-year | 80% | 20% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 4.94% | 6.10% | 2-year | 60% | 40% | No arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.94% | 6.00% | 2-year | 85% | 15% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.94% | 5.70% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 4.94% | 5.80% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 4.94% | 6.20% | 2-year | 85% | 15% | £999 arrangement fee |
| Lloyds International | 3 Year Premium Fixed | Fixed | 4.95% | 6.60% | 3-year | 75% | 25% | £995 arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 4.99% | 6.30% | 10-year | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.99% | 5.90% | 5-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 4.99% | 5.90% | 5-year | 80% | 20% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 4.99% | 5.90% | 2-year | 75% | 25% | No arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 4.99% | 6.60% | 3-year | 60% | 40% | £995 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 4.99% | 6.30% | 2-year | 75% | 25% | £999 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 4.99% | 6.30% | 2-year | 70% | 30% | £999 arrangement fee |
| Lloyds International | 3 Year Premium Fixed | Fixed | 4.99% | 6.60% | 3-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 4.99% | 6.10% | 2-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 4.99% | 5.80% | 5-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 4.99% | 6.70% | 2-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 4.99% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 4.99% | 5.70% | 5-year | 75% | 25% | No arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 4.99% | 6.20% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 4.99% | 5.90% | 5-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed (Buy-to-let) | Fixed | 4.99% | 6.50% | 5-year | 75% | 25% | £995 arrangement fee |
| Butterfield | 2 Year Base Rate Tracker (Buy-to-let) | Tracker | 5.00% | — | 2-year | 75% | 25% | £1,299 arrangement fee |
| Lloyds International | 2 Year Tracker (Buy-to-let) | Tracker | 5.00% | 7.10% | 2-year | 60% | 40% | £995 arrangement fee |
| Lloyds International | 3 Year Premium Fixed | Fixed | 5.02% | 6.60% | 3-year | 75% | 25% | No arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 5.03% | 6.40% | 10-year | 85% | 15% | £999 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 5.04% | 6.60% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 5.04% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 5.04% | 6.20% | 2-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 5.04% | 6.00% | 2-year | 90% | 10% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 5.04% | 5.80% | 5-year | 85% | 15% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 5.04% | 6.30% | 5-year | 75% | 25% | £995 arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 5.04% | 6.30% | 5-year | 75% | 25% | No arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 5.04% | 6.30% | 5-year | 75% | 25% | £995 arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.04% | 6.60% | 2-year | 60% | 40% | No arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 5.04% | 6.40% | 5-year | 70% | 30% | £999 arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 5.04% | 6.40% | 5-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 5.04% | 5.90% | 5-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 5.04% | 5.90% | 5-year | 80% | 20% | £999 arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 5.04% | 5.20% | — | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 5.04% | 5.80% | 5-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.04% | 5.80% | 5-year | 60% | 40% | No arrangement fee |
| Lloyds International | 2 Year Tracker (Buy-to-let) | Tracker | 5.05% | 7.10% | 2-year | 75% | 25% | £995 arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 5.05% | 6.60% | 3-year | 75% | 25% | £995 arrangement fee |
| Lloyds International | 3 Year Premium Fixed | Fixed | 5.05% | 6.60% | 3-year | 85% | 15% | No arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 5.08% | 6.30% | 10-year | 85% | 15% | No arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.09% | 6.20% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.09% | 5.80% | 5-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 5.09% | 6.20% | 2-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 5.09% | 6.20% | 2-year | 80% | 20% | No arrangement fee |
| Skipton International | 3 Year Base Rate Tracker | Tracker | 5.09% | 6.50% | 3-year | 90% | 10% | £1,499 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.09% | 6.40% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 5.09% | 6.60% | 3-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 5.09% | 6.20% | 2-year | 75% | 25% | £999 arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 5.09% | 6.40% | 5-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 2 Year Premium Fixed | Fixed | 5.09% | 6.80% | 2-year | 85% | 15% | No arrangement fee |
| Santander International | 10 Year Fixed | Fixed | 5.09% | 6.40% | 10-year | 90% | 10% | £999 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 5.10% | 6.40% | 2-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 5.12% | 6.60% | 3-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 5.14% | 5.90% | 5-year | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 5.14% | 6.20% | 2-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 5.14% | 6.20% | 2-year | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 5.14% | 5.90% | 5-year | 85% | 15% | No arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 5.14% | 6.40% | 10-year | 90% | 10% | No arrangement fee |
| Lloyds International | 5 Year Premium Fixed | Fixed | 5.14% | 6.40% | 5-year | 85% | 15% | No arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 5.14% | 5.80% | 5-year | 90% | 10% | £999 arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.14% | 6.40% | 5-year | 70% | 30% | No arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 5.14% | 6.40% | 5-year | 75% | 25% | No arrangement fee |
| Santander International | Lifetime Tracker | Tracker | 5.14% | 5.30% | — | 90% | 10% | £999 arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 5.14% | 5.70% | 5-year | 85% | 15% | No arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.14% | 6.40% | 5-year | 75% | 25% | No arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.14% | 6.60% | 2-year | 75% | 25% | No arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 5.14% | 5.90% | 2-year | 85% | 15% | No arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 5.15% | 6.60% | 3-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.19% | 5.90% | 5-year | 85% | 15% | No arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.19% | 6.70% | 2-year | 85% | 15% | £999 arrangement fee |
| NatWest International | 2 Year Base Rate Tracker | Tracker | 5.19% | 6.70% | 2-year | 90% | 10% | £999 arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.19% | 6.40% | 5-year | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 5.19% | 6.30% | 2-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 5.19% | 6.30% | 2-year | 80% | 20% | £999 arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 5.19% | 6.80% | 2-year | 85% | 15% | No arrangement fee |
| Barclays | 2 Year Tracker (Buy-to-let) | Tracker | 5.19% | 6.00% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.19% | 5.90% | 5-year | 80% | 20% | No arrangement fee |
| Skipton International | 5 Year Fixed | Fixed | 5.19% | 6.30% | 5-year | 75% | 25% | No arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.19% | 6.20% | 5-year | 75% | 25% | No arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 5.20% | 5.30% | — | 85% | 15% | No arrangement fee |
| Lloyds International | 3 Year Fixed | Fixed | 5.20% | 6.60% | 3-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 5.24% | 6.30% | 2-year | 85% | 15% | £999 arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.24% | 6.30% | 5-year | 85% | 15% | £999 arrangement fee |
| NatWest International | 2 Year Fixed (Buy-to-let) | Fixed | 5.24% | 6.70% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 5.24% | 6.30% | 2-year | 80% | 20% | £999 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.24% | 6.40% | 2-year | 70% | 30% | No arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 5.24% | 6.40% | 5-year | 85% | 15% | No arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.24% | 6.40% | 2-year | 75% | 25% | No arrangement fee |
| Barclays | 5 Year Tracker | Tracker | 5.24% | 5.80% | 5-year | 90% | 10% | No arrangement fee |
| Skipton International | 5 Year Fixed | Fixed | 5.24% | 6.30% | 5-year | 90% | 10% | No arrangement fee |
| Barclays | 2 Year Tracker | Tracker | 5.24% | 5.90% | 2-year | 90% | 10% | No arrangement fee |
| Lloyds International | 2 Year Tracker | Tracker | 5.25% | 6.80% | 2-year | 90% | 10% | £995 arrangement fee |
| Lloyds International | 2 Year Fixed | Fixed | 5.25% | 6.80% | 2-year | 90% | 10% | No arrangement fee |
| Butterfield | Lifestyle Mortgage | Tracker | 5.25% | — | — | 80% | 20% | £999 arrangement fee |
| NatWest International | 5 Year Fixed (Buy-to-let) | Fixed | 5.29% | 6.40% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard (Buy-to-let) | Tracker | 5.29% | 7.20% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.29% | 6.40% | 2-year | 60% | 40% | £999 arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.29% | 6.80% | 2-year | 90% | 10% | £999 arrangement fee |
| Lloyds International | 5 Year Fixed | Fixed | 5.29% | 6.40% | 5-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard | Fixed | 5.29% | 6.30% | 2-year | 90% | 10% | £999 arrangement fee |
| Barclays | 2 Year Tracker (Buy-to-let) | Tracker | 5.29% | 6.00% | 2-year | 75% | 25% | £999 arrangement fee |
| Lloyds International | 3 Year Fixed 5% Deposit | Fixed | 5.30% | 6.70% | 3-year | 95% | 5% | No arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 5.30% | 6.50% | 2-year | 85% | 15% | £999 arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.34% | 6.40% | 5-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard (Buy-to-let) | Fixed | 5.34% | 7.20% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard (Buy-to-let) | Tracker | 5.34% | 7.20% | 2-year | 60% | 40% | £999 arrangement fee |
| NatWest International | 2 Year Fixed (Buy-to-let) | Fixed | 5.34% | 6.80% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard | Fixed | 5.34% | 6.30% | 2-year | 90% | 10% | £999 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.35% | 6.50% | 2-year | 80% | 20% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.39% | 6.70% | 5-year | 60% | 40% | £999 arrangement fee |
| Skipton International | 3 Year Fixed | Fixed | 5.39% | 6.50% | 3-year | 75% | 25% | No arrangement fee |
| Skipton International | Jersey 100% Mortgage 5 Year Fixed | Fixed | 5.39% | 6.30% | 5-year | 100% | — | No arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.39% | 6.70% | 2-year | 85% | 15% | No arrangement fee |
| NatWest International | 5 Year Fixed (Buy-to-let) | Fixed | 5.39% | 6.40% | 5-year | 75% | 25% | £999 arrangement fee |
| Santander International | 10 Year Fixed, fee free | Fixed | 5.39% | 6.50% | 10-year | 95% | 5% | No arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 5.39% | 6.50% | 5-year | 85% | 15% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.39% | 7.10% | 2-year | 65% | 35% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.39% | 7.10% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard | Fixed | 5.39% | 6.10% | 5-year | 90% | 10% | £999 arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.40% | 5.90% | 5-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.41% | 6.00% | 2-year | 60% | 40% | £999 arrangement fee |
| Santander International | 10 Year Fixed (Buy-to-let) | Fixed | 5.44% | 6.60% | 10-year | 50% | 50% | £1,499 arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.44% | 6.40% | 5-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard (Buy-to-let) | Tracker | 5.44% | 7.20% | 2-year | 65% | 35% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard (Buy-to-let) | Tracker | 5.44% | 7.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard (Buy-to-let) | Fixed | 5.44% | 7.20% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Standard (Buy-to-let) | Fixed | 5.44% | 7.20% | 2-year | 65% | 35% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard | Fixed | 5.44% | 6.10% | 5-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard (Buy-to-let) | Fixed | 5.44% | 6.70% | 5-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver | Fixed | 5.44% | 6.20% | 2-year | 90% | 10% | No arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.45% | 5.90% | 5-year | 75% | 25% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.46% | 6.00% | 2-year | 75% | 25% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard (Buy-to-let) | Tracker | 5.49% | 7.20% | 2-year | 75% | 25% | £999 arrangement fee |
| NatWest International | 2 Year Fixed | Fixed | 5.49% | 6.70% | 2-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard (Buy-to-let) | Tracker | 5.49% | 7.20% | 2-year | 65% | 35% | £999 arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.49% | 6.50% | 5-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.49% | 6.70% | 5-year | 65% | 35% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Standard (Buy-to-let) | Fixed | 5.49% | 6.70% | 5-year | 75% | 25% | £999 arrangement fee |
| Santander International | 2 Year Fixed | Fixed | 5.49% | 6.60% | 2-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver | Fixed | 5.49% | 6.20% | 2-year | 90% | 10% | No arrangement fee |
| Skipton International | 3 Year Fixed | Fixed | 5.49% | 6.60% | 3-year | 90% | 10% | No arrangement fee |
| Santander International | 10 Year Fixed (Buy-to-let) | Fixed | 5.49% | 6.60% | 10-year | 60% | 40% | £1,499 arrangement fee |
| Santander International | 2 Year Fixed (Buy-to-let) | Fixed | 5.49% | 6.60% | 2-year | 50% | 50% | £1,499 arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 5.50% | 5.70% | — | 90% | 10% | No arrangement fee |
| NatWest International | 5 Year Fixed | Fixed | 5.54% | 6.40% | 5-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 5.54% | 6.10% | 5-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard (Buy-to-let) | Fixed | 5.54% | 6.70% | 5-year | 65% | 35% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Standard (Buy-to-let) | Fixed | 5.54% | 6.70% | 5-year | 75% | 25% | £999 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.55% | 6.60% | 2-year | 85% | 15% | No arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.55% | 5.90% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Premier Standard | Tracker | 5.59% | 6.40% | 2-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.59% | 6.10% | 5-year | 90% | 10% | No arrangement fee |
| Santander International | 5 Year Fixed (Buy-to-let) | Fixed | 5.59% | 6.60% | 5-year | 50% | 50% | £1,499 arrangement fee |
| Santander International | 5 Year Fixed | Fixed | 5.59% | 6.60% | 5-year | 90% | 10% | £999 arrangement fee |
| Santander International | 5 Year Fixed (Buy-to-let) | Fixed | 5.59% | 6.60% | 5-year | 60% | 40% | £1,499 arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.60% | 5.90% | 5-year | 75% | 25% | No arrangement fee |
| Butterfield | 2 Year Fixed (Buy-to-let) | Fixed | 5.60% | — | 2-year | 75% | 25% | £1,299 arrangement fee |
| Butterfield | 2 Year Fixed | Fixed | 5.60% | — | 2-year | 90% | 10% | £999 arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.60% | 6.00% | 5-year | 85% | 15% | £999 arrangement fee |
| Butterfield | 5 Year Fixed Andium First Step (First time buyer) | Fixed | 5.60% | — | 5-year | 90% | 10% | £999 arrangement fee |
| Butterfield | 5 Year Fixed (Buy-to-let) | Fixed | 5.60% | — | 5-year | 75% | 25% | £1,299 arrangement fee |
| Butterfield | 5 Year Fixed | Fixed | 5.60% | — | 5-year | 90% | 10% | £999 arrangement fee |
| Butterfield | 2 Year Fixed Andium First Step (First time buyer) | Fixed | 5.60% | — | 2-year | 90% | 10% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.61% | 6.10% | 2-year | 85% | 15% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.61% | 6.00% | 2-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 2 Year Tracker Standard | Tracker | 5.64% | 6.40% | 2-year | 90% | 10% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.66% | 6.00% | 2-year | 75% | 25% | No arrangement fee |
| Santander International | 2 Year Fixed (Buy-to-let) | Fixed | 5.69% | 6.70% | 2-year | 60% | 40% | £1,499 arrangement fee |
| Skipton International | 5 Year Fixed (Buy-to-let) | Fixed | 5.69% | 7.10% | 5-year | 75% | 25% | No arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.69% | 6.60% | 5-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.69% | 7.10% | 2-year | 60% | 40% | No arrangement fee |
| Santander International | 10 Year Fixed (Buy-to-let) | Fixed | 5.69% | 6.70% | 10-year | 75% | 25% | £1,499 arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.70% | 6.00% | 5-year | 90% | 10% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.71% | 6.10% | 2-year | 90% | 10% | £999 arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.74% | 7.10% | 2-year | 60% | 40% | No arrangement fee |
| Lloyds International | 5 Year Fixed 5% Deposit | Fixed | 5.74% | 6.60% | 5-year | 95% | 5% | No arrangement fee |
| Santander International | Lifetime Tracker (Buy-to-let) | Tracker | 5.74% | 5.90% | — | 50% | 50% | £1,499 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.74% | 6.60% | 2-year | 90% | 10% | No arrangement fee |
| Santander International | Lifetime Tracker, fee free | Tracker | 5.75% | 6.70% | — | 95% | 5% | No arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.75% | 6.00% | 5-year | 85% | 15% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.79% | 7.20% | 2-year | 65% | 35% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.79% | 7.10% | 2-year | 75% | 25% | No arrangement fee |
| Santander International | Lifetime Tracker (Buy-to-let) | Tracker | 5.79% | 6.00% | — | 60% | 40% | £1,499 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.79% | 6.70% | 5-year | 60% | 40% | No arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.81% | 6.00% | 2-year | 85% | 15% | No arrangement fee |
| Santander International | 5 Year Fixed (Buy-to-let) | Fixed | 5.84% | 6.70% | 5-year | 75% | 25% | £1,499 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.84% | 6.70% | 5-year | 60% | 40% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver | Fixed | 5.84% | 6.20% | 5-year | 95% | 5% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.84% | 7.20% | 2-year | 75% | 25% | No arrangement fee |
| HSBC Channel Islands | 2 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.84% | 7.20% | 2-year | 65% | 35% | No arrangement fee |
| Barclays | 5 Year Fixed Rate | Fixed | 5.85% | 6.00% | 5-year | 90% | 10% | No arrangement fee |
| Barclays | 5 Year Fixed Rate (Buy-to-let) | Fixed | 5.85% | 6.10% | 5-year | 60% | 40% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate (Buy-to-let) | Fixed | 5.86% | 6.10% | 2-year | 60% | 40% | £999 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.89% | 6.80% | 5-year | 75% | 25% | No arrangement fee |
| Santander International | 2 Year Fixed (Buy-to-let) | Fixed | 5.89% | 6.80% | 2-year | 75% | 25% | £1,499 arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Premier Fee Saver (Buy-to-let) | Fixed | 5.89% | 6.80% | 5-year | 65% | 35% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver | Fixed | 5.89% | 6.20% | 5-year | 95% | 5% | No arrangement fee |
| Barclays | 2 Year Fixed Rate | Fixed | 5.91% | 6.10% | 2-year | 90% | 10% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.94% | 6.80% | 5-year | 65% | 35% | No arrangement fee |
| HSBC Channel Islands | 5 Year Fixed Fee Saver (Buy-to-let) | Fixed | 5.94% | 6.80% | 5-year | 75% | 25% | No arrangement fee |
| Santander International | 5 Year Fixed, fee free | Fixed | 5.94% | 6.70% | 5-year | 95% | 5% | No arrangement fee |
| Barclays | 5 Year Fixed Rate (Buy-to-let) | Fixed | 5.95% | 6.20% | 5-year | 75% | 25% | £999 arrangement fee |
| Barclays | 2 Year Fixed Rate (Buy-to-let) | Fixed | 5.96% | 6.10% | 2-year | 75% | 25% | £999 arrangement fee |
| Santander International | 2 Year Fixed, fee free | Fixed | 5.99% | 6.80% | 2-year | 95% | 5% | No arrangement fee |
| Santander International | Lifetime Tracker (Buy-to-let) | Tracker | 5.99% | 6.20% | — | 75% | 25% | £1,499 arrangement fee |
| Butterfield | Standard Base Rate Tracker | Tracker | 6.75% | — | — | 90% | 10% | £999 arrangement fee |
| Butterfield | Standard Base Rate Tracker (Buy-to-let) | Tracker | 6.75% | — | — | 75% | 25% | £1,299 arrangement fee |
| Butterfield | Standard Base Rate Tracker Andium First Step (First time buyer) | Tracker | 6.75% | — | — | 90% | 10% | £999 arrangement fee |