Land purchase finance in Jersey and Guernsey.
Finding a building plot in Jersey or Guernsey is challenging — when land becomes available, you need to act fast. Land purchase finance lets you secure a plot now while you arrange planning permission and construction funding. We work with lenders who understand Channel Islands land values and the complexities of local planning regulations.
- Secure rare building plots in competitive island locations before others do
- Finance available for residential plots, agricultural land, and development sites
- Bridging-style land loans can be arranged quickly to meet short deadlines
- Combine land purchase finance with construction loans through a single introducer
- Lenders familiar with Jersey and Guernsey planning processes
- Both freehold land and some leasehold or flying freehold plots considered
Quick facts
No obligation. Soft credit check only.
How it works
Describe the land and your plans
Tell us about the plot, your planning status, and how you intend to fund construction. No credit check at this stage.
We find suitable land lenders
We match you with lenders who specialise in land finance in Jersey and Guernsey, comparing terms and rates on your behalf.
Secure the plot and build
Once approved, you complete the purchase and can move forward with your planning and construction timeline.
Who can apply?
- Jersey or Guernsey resident, or a company registered in the Channel Islands
- Land must be in Jersey or Guernsey
- Planning permission obtained or a credible plan to obtain it
- Sufficient deposit or equity in other property
- Both self-build plots and investment development sites considered
- Previous development experience preferred for larger plots, but not always required
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
Some lenders will consider land without planning permission, but interest rates are higher and loan-to-value ratios lower. Having a strong application for planning helps significantly.
No. Land purchase loans are specialist products with different terms. They are often arranged as bridging loans or development finance rather than traditional mortgages.
Yes. Some lenders offer combined land and construction facilities. Others require separate loans at each stage. We will identify the most efficient structure for your project.
Plots intended for holiday homes or secondary residences may be eligible, though residency restrictions in Jersey and Guernsey affect what can be built. Always confirm planning status first.
Lenders use local chartered surveyors who understand island property values. Plots in areas like St Brelade or St Martin command premium prices that local valuers are equipped to assess.
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
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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.