Buy overseas property with Channel Islands finance.
Jersey and Guernsey residents looking to purchase property in France, Spain, Portugal, or further afield often find that local banks are unfamiliar with cross-border lending. We connect you with specialist lenders who have experience arranging overseas property finance for Channel Islands residents, with options for a range of countries and property types.
- Access specialist lenders experienced in overseas property from the Channel Islands
- Finance available for France, Spain, Portugal, and other popular destinations
- Lenders who understand the legal and currency considerations of overseas purchase
- Whole-of-market comparison so you are not limited to a single lender's overseas offering
- Options to borrow in GBP or in the local currency of the property country
- Channel Islands legal expertise can be combined with overseas advocates
The basics
No obligation. Soft credit check only.
Who can borrow against overseas property
- Jersey or Guernsey resident aged 18 or over
- Sufficient deposit, typically 30-40% for overseas property
- Property in a country where our lenders are active
- Provable income in GBP or another accepted currency
- Clean or near-clean credit history preferred for international lending
- Both holiday use and investment property purchases considered
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply. Unfamiliar with any of the terms above? Loan terms explained.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Arranging finance abroad
Tell us about the property and country
Share the location, purchase price, and your deposit. We confirm which lenders are active for that country before any credit check.
We match you with an overseas lender
We search our panel for lenders with active products in your target country and compare rates and loan-to-value ratios.
Your purchase proceeds
You work with both a Channel Islands advocate and a local legal professional in the purchase country. We coordinate the lender side of the process.
Buying outside the islands
We work with lenders covering France, Spain, Portugal, Italy, and several other countries. Availability varies by lender — we will confirm options when you enquire.
If your income is in GBP, borrowing in GBP removes currency risk. Borrowing locally can be cheaper if rates are lower, but your repayments will fluctuate with exchange rates.
Most overseas lenders require a local bank account. We will advise on the specific requirements for your target country when we match you with a lender.
Rates are often slightly higher due to the additional complexity and risk. A larger deposit typically secures a better rate — we will show you what is available at your deposit level.
Some lenders allow you to use equity in your Jersey property as security for an overseas purchase. This is known as a cross-charge arrangement and is assessed on a case-by-case basis.
Ready to talk about the property?
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 received your application details. 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.
Request received — thank you
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Something went wrong. Please try again or email us at info@nowagogo.com.