Free financial guides
Channel Islands Loan Guides
Plain-English guides to loans, mortgages, and finance written specifically for Jersey and Guernsey residents.
Home Loans
Guides on buying, remortgaging, and improving property in Jersey and Guernsey. Written for Channel Islands homeowners and first-time buyers.
First-Time Buyer's Guide to Property Purchase Loans in Jersey
Buying your first home in Jersey is exciting but complex. This guide walks you through how property purchase loans work in the Channel Islands and what lenders look for.
First-Time Buyer Support in Jersey: What Is Available
The three things that shape a first purchase in Jersey: your residential status, the reduced first-time buyer stamp duty, and the government's Assisted Purchase Pathway.
Home Improvement Loans in Jersey: Funding Renovations
Secured or unsecured, planning or no planning: how residential status, Jersey permissions and a builder's quote shape the renovation loan you can get.
Kitchen Finance in Jersey: Paying for a New Kitchen
Unsecured loan, secured borrowing or retailer credit: which suits a Jersey kitchen refit, what your fitter owes you in law, and the figures to compare first.
Mortgage Brokers in Jersey: What They Do for Buyers
Residential status, purchase taxes, fees and the new consumer credit rules: what to expect from a Jersey mortgage broker and what to ask before you sign up.
Mortgage Lenders in Jersey: Who Lends on the Island
Residential status, share transfer, stamp duty relief and recent prices: the Jersey-specific points that shape which mortgage lenders will consider you.
Car Finance
Plain-English guides to car loans, vehicle finance, and refinancing in Jersey and Guernsey. Find out what options are available and how to get the best rate.
Bad Credit Car Finance in Jersey: What Lenders Look At
A poor credit history does not rule out car finance, but it changes the price and the terms. What lenders check, what helps, and how to avoid paying far more than you need to.
Bike Loans in Jersey: Financing a Motorcycle or Scooter
Hire purchase or a personal loan, the island costs to budget for on top of the bike, and how to compare finance quotes for a motorcycle or scooter in Jersey.
Car Finance in Jersey: How Local Lending Works
Hire purchase, PCP or a personal loan: how each works for a car bought in Jersey, the island duties to budget for, and the numbers to compare before you sign.
Car Finance for New Arrivals in Jersey: What to Do First
If you have just moved to Jersey with a car, or are about to buy one, the order of steps matters. Residential status, the car's import costs and the finance already on it all come first.
Mis-Sold Car Finance in Jersey: How to Complain Through CIFO
The UK car finance redress scheme does not reach the islands. Here is the route that does: your complaint to the lender, the three-month wait, and the Channel Islands Financial Ombudsman.
Electric Car Finance in Jersey: What Changes and What Doesn't
A fully electric car pays no Vehicle Emissions Duty in Jersey, which changes the sums. The finance itself works the same way. Here is what to check before you sign.
Business Finance
Guides to business loans, asset finance, cash flow management, and commercial property for Jersey and Guernsey companies of all sizes.
Commercial Property Lenders in Jersey: What to Expect
The loan types used for Jersey shops, offices and industrial units, the stamp duty on secured borrowing, and the documents a commercial underwriter wants to see.
Equipment Finance in Jersey: Funding Business Assets
Hire purchase, leasing and asset refinancing compared for Jersey firms, plus how GST on imported kit changes what you ask a funder to advance.
Small Business Loans in Jersey: Bridging Cash Flow
How Jersey lenders read a small business's turnover, licence and GST position, and which facility fits a seasonal or stock-driven cash flow gap.
Personal Finance
Practical guides to personal loans, debt consolidation, and specialist borrowing for Jersey and Guernsey residents. Written in plain English with Channel Islands context.
Bad Credit Loans in Jersey: What Lenders Still Consider
What a Jersey court judgment or missed payment does to a loan application, which types of borrowing stay open, and where to turn if a lender treats you unfairly.
Financing a Computer in Jersey: Your Borrowing Options
Retail credit, a personal loan or business finance: how to pay for a laptop or desktop over time in Jersey, and how GST on imports changes the sums.
Personal Loans in Jersey: Comparing Your Options
Why many UK lenders turn down Jersey addresses, how island lending is regulated, and the checks that tell you which personal loan offer is really cheapest.
Same-Day Loans in Jersey: Fast Borrowing Explained
Why fast credit costs more, which Jersey rules cover small short-term loans and which do not, and the checks worth making before you borrow in a hurry.
Wedding Loans in Jersey: Borrowing for the Big Day
Loan, staged borrowing or savings? How to size wedding borrowing in Jersey, what to compare between lenders, and where to complain if something goes wrong.
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