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Our mortgage services are also available in the Bermuda, the Cayman Islands and Guernsey
Feel at home with a mortgage that's right for you.
Everyone deserves a home they love. Our friendly on-island experts understand the intricacies of local markets and we offer an extensive suite of products to meet almost every mortgage need.
Our streamlined digital application process, together with a dedicated and personalised service that sees all lending decisions made locally, means we will respond to your mortgage application within a few days.
And with our competitive rates, your mortgage could cost less than you think. Our flexible affordability criteria is not based on salary multiples, meaning you may be able to borrow more.
Wherever you are on your homeownership journey, we’re here to help you every step of the way.
To discuss your individual requirements click here to email us or call +44 (0) 1534 843 300;
or if you are ready to make an application Apply Now
Our Fixed Rate mortgage is ideal for those who want to know what their monthly outgoings will be without having to worry about what is happening in the market. We have a range of terms to suit your needs from a 2-Year or 5-Year.
Minimum loan £100,000
We offer a 2-Year Base Rate Tracker mortgage which provides you with a margin above the Bank of England Base rate for a 2-year period, ideal when there is uncertainty in the market. The interest rate will revert to our Standard Base Rate Tracker rate for the remainder of the term.
Our Standard Base Rate Tracker mortgage is 3.00% above the Bank of England Base rate.
Minimum loan £100,000
Our Interest Only mortgage is available as a Fixed Rate or Base Rate Tracker and is ideal if you are looking to reduce your monthly repayments.
At the end of the term you can either re-mortgage for another term or switch to one of our interest and capital repayment mortgages so you can start to repay the outstanding loan on the property.
Minimum loan £100,000
Our Lifestyle Mortgage is ideal for those professionals with a minimum household income of £120,000, who receive additional payments through bonuses, dividends or commissions, as well as those who have considerable savings.
This is a truly flexible mortgage that operates similarly to an overdraft facility, where you can use your savings, bonus or dividends to reduce your interest payments, without locking your funds away. Giving you the ability to make withdrawals when you need to.
Key advantages
- Deposits and savings instantly reduce the balance of the mortgage meaning interest is only charged on the remaining balance - for example, if you have a mortgage balance of £400,000 and savings of £100,000, you will only be charged interest on £300,000.
- Your funds are available instantly should you want to undertake home improvements or make an investment – for example, if you have an available limit of £600,000, but have only drawn £450,000, you have immediate access to £150,000.
- With the ability to repay ahead of schedule without incurring drawdown fees or early repayment charges, the Lifestyle Mortgage provides total flexibility.
Minimum loan £400,000
As part of our bespoke solutions we are able to offer Buy-to-Let mortgages to clients looking to purchase investment properties, in either their personal names or in a non-personal structure. Interest rates, fees, terms & conditions for both personal and non-personal Buy-to-Lets will vary.
Minimum loan £200,000
Butterfield is always open to discuss bespoke solutions that do not necessarily fit into our standard parameters. This includes Buy-to-Let mortgages. For bespoke solutions, rates and lending criteria may alter.
Channel Islands Mortgage Rates
CAPITAL AND INTEREST
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 4.99% | £999 |
| Up to 40 years* | 81% - 90% | 5.30% | £999 |
INTEREST ONLY
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 10 years | 0% - 65% | 5.50% | £999 |
BUY-TO-LET
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 25 years | 0% - 75% | 5.50% | £1,299 |
ANDIUM HOUSING SCHEMES + FIRST STEP
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 4.99% | £999 |
| Up to 40 years* | 81% - 90% | 5.30% | £999 |
CAPITAL AND INTEREST
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 4.95% | £999 |
| Up to 40 years* | 81% - 90% | 5.15% | £999 |
INTEREST ONLY
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 10 years | 0% - 65% | 5.50% | £999 |
BUY-TO-LET
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 25 years | 0% - 75% | 5.50% | £1,299 |
ANDIUM HOUSING SCHEMES + FIRST STEP
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 4.95% | £999 |
| Up to 40 years* | 81% - 90% | 5.15% | £999 |
CAPITAL AND INTEREST
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 0.70% above BoE base rate | £999 |
| Up to 40 years* | 81% - 90% | 0.90% above BoE base rate | £999 |
INTEREST ONLY
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 10 years | 0% - 65% | 1.25% above BoE base rate | £999 |
BUY-TO-LET
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 25 years | 0% - 75% | 1.25% above BoE base rate | £1,299 |
ANDIUM HOUSING SCHEMES + FIRST STEP
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 0.70% above BoE base rate | £999 |
| Up to 40 years* | 81% - 90% | 0.90% above BoE base rate | £999 |
CAPITAL AND INTEREST
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 90% | 3.00% above BoE base rate | £999 |
INTEREST ONLY
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 10 years | 0% - 65% | 3.00% above BoE base rate | £999 |
BUY-TO-LET
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 25 years | 0% - 75% | 3.00% above BoE base rate | £1,299 |
ANDIUM HOUSING SCHEMES + FIRST STEP
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 90% | 3.00% above BoE base rate | £999 |
CAPITAL AND INTEREST
| Term | Loan to Value (LTV) | Interest rates | Arrangement Fee |
|---|---|---|---|
| Up to 40 years* | 0% - 80% | 1.50% above BoE base rate | £999 |
* Up to retirement age - typically 70 years.
For our full range of products, latest rates and representative APRC click here.
Bank of England (BoE) base rate at time of publishing is 4.25%. Rates correct as at 18 July 2025
Fees
For bespoke lending solutions, which includes Buy-to-Let, our fees may alter.
Legal fees, document duty and valuation costs are the responsibility of the Applicant.
Early Repayment charge (“ERC”) – on our Fixed Rate Mortgages, an ERC on the outstanding balance will apply. In a calendar year you can make a one off maximum 10% repayment without incurring an ERC.
Important information
Your property may be repossessed if you do not keep up with repayments on your mortgage. If you have any concerns regarding the impact of rising market interest rates, please email or telephone a member of the mortgage team.
To apply you must be 18+ and resident in Guernsey or Jersey. All mortgages are subject to status and valuation. The maximum amount you can borrow will depend on your individual financial situation, your other circumstances, the property you wish to buy and the type of mortgage you choose.
Butterfield is regulated in a number of jurisdictions - please click here for Legal & Regulatory information pertaining to Butterfield.
