Remortgage in Jersey and cut your monthly costs.
If your current mortgage deal is ending or you are paying your lender's standard variable rate, remortgaging could reduce your monthly payment significantly. We search lenders across the Channel Islands to find a rate that works harder for you, whether you want to release equity or simply get a better deal.
- Switching lenders can save you hundreds of pounds a month on a typical Jersey mortgage
- Release equity from your property to fund home improvements or other goals
- Fix your rate for certainty, or choose a tracker for flexibility
- Whole-of-market search means you are not limited to your current lender's offers
- Soft credit check only during the comparison stage
- We manage the process from application through to completion
Switching figures
No obligation. Soft credit check only.
Switching, step by step
Share your current mortgage details
Tell us your outstanding balance, current rate, and when your deal ends. No credit check at this stage.
We find a better deal
We compare remortgage rates from Channel Islands banks and lenders to find the most competitive option for your property.
You complete and save
Once you accept an offer, your new lender pays off the old mortgage. Most remortgages complete within 4 to 6 weeks.
When remortgaging is open to you
- Currently hold a mortgage on a Jersey or Guernsey property
- Minimum equity of 10% in the property
- Provable income to support the new mortgage
- Property in Jersey or Guernsey, including share transfer
- Remortgaging for better rates, equity release, or debt consolidation all considered
- Poor credit history? Specialist lenders are available
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
Before you switch
It depends on your current rate, balance, and term. Even a 0.5% reduction on a £400,000 mortgage saves around £2,000 a year. We will give you a clear comparison.
Yes. If your property has increased in value, you may be able to borrow against that equity for home improvements, a car purchase, or other purposes.
We run a soft credit check during the comparison stage, which does not affect your score. A full credit check is only run when you formally apply with a lender.
Ideally 3 to 6 months before your current deal ends. This avoids early repayment charges while giving you time to arrange the switch.
Some lenders charge arrangement fees or valuation fees. We will show you the true cost of each deal, including all fees, so you can compare accurately.
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.
Application received — thank you
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.
Something went wrong. Please try again or email info@nowagogo.com.
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
We've received your details 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.