Finance a holiday home in Jersey or Guernsey.
Owning a holiday home in Jersey or Guernsey gives you a reliable retreat and the potential for rental income. Lenders treat holiday properties differently from primary residences, so finding the right product matters. We connect you with Channel Islands lenders who understand the local holiday let market and the island residency rules that affect what you can own.
- Access lenders who understand Jersey and Guernsey holiday let regulations
- Potential rental income can support your loan application
- Competitive rates for both personal use and investment holiday properties
- Lenders familiar with island residency and housing qualification rules
- Combined purchase and refurbishment financing available
- Whole-of-market search gives you the best rate for your specific property type
Quick facts
No obligation. Soft credit check only.
How it works
Tell us about your holiday home plans
Share details about the property, your intended use (personal or rental), and your deposit. No credit check at this stage.
We find suitable lenders
We compare lenders with experience in Channel Islands holiday property finance, including those who accept rental income in their affordability calculations.
You purchase and enjoy your property
Once approved, your advocate completes the purchase. Many applications receive a decision within 48 hours of submission.
Who can apply?
- Jersey or Guernsey resident, or purchaser with appropriate housing qualification
- Property must be in Jersey or Guernsey
- Minimum deposit typically 25% for holiday let purposes
- Evidence of rental demand or personal use intentions
- Existing homeowner with sufficient equity preferred, but not always required
- Both individual and company purchase structures 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
Yes. Jersey has a growing short-term let market. Some lenders will include projected rental income in your affordability assessment, increasing your borrowing potential.
Typically yes, because the property is not your primary residence and lenders price in the additional risk. We search the market to find the most competitive option available.
Jersey has specific housing qualification laws. Some holiday properties have restricted status. Your advocate can confirm eligibility, and we will find lenders comfortable with the status.
Yes. We work with lenders who can facilitate cross-island purchases. The legal and title rules differ between islands, and your advocate will guide you through these.
No. We are an introducer. We search the Channel Islands market and refer you to a regulated lender or broker who arranges your mortgage.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
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Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.