Commercial property finance in Jersey and Guernsey.
Owning your business premises in Jersey or Guernsey gives you security, removes the uncertainty of commercial rents, and builds a valuable asset on your balance sheet. Whether you are buying office space in St Helier, a retail unit in St Peter Port, or a development site in St Sampson, we connect you with lenders who specialise in Channel Islands commercial property.
- Own your premises and stop paying rent to a landlord
- Commercial property in Jersey and Guernsey tends to hold value well
- Build a valuable asset on your business balance sheet
- Monthly mortgage payments are often competitive with commercial rents
- Lenders who understand local commercial property values and legal structures
- Both owner-occupied and investment commercial properties considered
Quick facts
No obligation. Soft credit check only.
How it works
Share details of the commercial property
Tell us the property type, purchase price, your deposit, and intended use. No credit check at this stage.
We find your commercial lender
We compare commercial mortgage rates from Channel Islands banks and specialist lenders, selecting those familiar with local commercial values.
Purchase completes, you own your premises
Once the mortgage is approved, your advocate handles the legal completion. You then pay your commercial mortgage instead of rent.
Who can apply?
- Business registered or trading in Jersey or Guernsey
- Property must be in Jersey or Guernsey
- Minimum deposit typically 25 to 30% of the commercial property value
- At least 2 years of trading history preferred
- Business must demonstrate ability to service the mortgage from trading income
- Both limited companies and sole traders considered
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
It is possible with a larger deposit and strong personal guarantees from the directors. Some specialist lenders take a more flexible approach to trading history for commercial property.
Yes. Investment commercial property — for example, buying a unit to let to another business — is eligible. Lenders assess the rental yield as part of their decision.
Most commercial lenders require 25 to 30% of the purchase price. Given Jersey commercial property values, this can be a significant sum. We will show you what is achievable at your deposit level.
Interest payments on commercial mortgages are generally deductible against profits in Jersey. Confirm the specifics with your accountant, as Jersey's tax rules differ from the UK.
Offices, retail units, warehouses, industrial units, and mixed-use properties are all eligible. Some lenders also consider hospitality properties such as hotels and restaurants.
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No obligation. Soft credit check only.
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