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Jersey mortgages
Choice and flexibility for homeowners and investors
Whether you're buying at home or in the UK, to live or to let, we have a mortgage deal that's right for you.
New product range introduced
We are pleased to be able to offer new customers even more choice following the launch of our product fee free range. Choose from one of our great standard product rates or opt for a fee free alternative.
Visit a branch or call us to discuss the best option for you.
Select your mortgage type:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Fixed rate mortgages
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 2.99% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £999 |
| 2 year fixed rate | 3.37% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £0 |
| 2 year fixed rate | 3.48% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £999 |
| 2 year fixed rate | 3.88% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £0 |
| 2 year fixed rate | 4.09% | 31/07/2015 | 4.00% | 4.2% APR | 15% | £999 |
| 2 year fixed rate (First time buyers only) | 4.20% | 31/07/2015 | 4.00% | 4.4% APR | 10% | £999 |
| 2 year fixed rate | 4.49% | 31/07/2015 | 4.00% | 4.6% APR | 15% | £0 |
| 2 year fixed rate (First time buyers only) | 4.60% | 31/07/2015 | 4.00% | 4.7% APR | 10% | £0 |
| 5 year fixed rate | 3.33% | 31/07/2018 | 4.00% | 4.3% APR | 40% | £999 |
| 5 year fixed rate | 3.57% | 31/07/2018 | 4.00% | 4.3% APR | 40% | £0 |
| 5 year fixed rate | 4.19% | 31/07/2018 | 4.00% | 4.3% APR | 20% | £999 |
| 5 year fixed rate | 4.34% | 31/07/2018 | 4.00% | 4.4% APR | 20% | £0 |
| 5 year fixed rate | 4.50% | 31/07/2018 | 4.00% | 4.7% APR | 15% | £999 |
| 5 year fixed rate | 4.64% | 31/07/2018 | 4.00% | 4.7% APR | 15% | £0 |
| 5 year fixed rate (First time buyers only) | 4.70% | 31/07/2018 | 4.00% | 4.9% APR | 10% | £999 |
| 5 year fixed rate (First time buyers only) | 4.85% | 31/07/2018 | 4.00% | 4.9% APR | 10% | £0 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Base rate tracker mortgages
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| 2 year tracker | 2.89% | +2.39% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £999 |
| 3 year tracker | 3.29% | +2.79% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £0 |
| 3 year tracker | 3.49% | +2.99% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £999 |
| 3 year tracker | 3.79% | +3.29% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £0 |
| 3 year tracker | 3.90% | +3.40% | 29/07/2016 | 4.00% | 4.1% APR | 15% | £999 |
| 3 year tracker | 4.20% | +3.70% | 29/07/2016 | 4.00% | 4.3% APR | 15% | £0 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Fixed rate - Buy-to-let
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 5.39% | 31/07/2015 | 4.00% | 5.5% APR | 25% | £1,000 |
Variable rate - Buy-to-let
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| 2 year tracker | 3.98% | +3.48% | 31/07/2015 | 4.00% | 4.1% APR | 30% | £1,000 |
| 2 year tracker | 4.08% | +3.58% | 31/07/2015 | 4.00% | 4.2% APR | 25% | £1,000 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Flexible mortgage
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| Foundations mortgage | 4.49% | +3.99% | N/A | 4.00% | 4.7% APR | 25% | £999 |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Fixed rate - Equity release
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | |
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| 2 year fixed rate | 2.99% | 31/07/2015 | 4.00% | 4.1% APR | 40% | £495 |
| 2 year fixed rate | 3.48% | 31/07/2015 | 4.00% | 4.1% APR | 20% | £495 |
| 2 year fixed rate | 4.09% | 31/07/2015 | 4.00% | 4.2% APR | 15% | £495 |
| 5 year fixed rate | 3.33% | 31/07/2018 | 4.00% | 4.1% APR | 40% | £495 |
| 5 year fixed rate | 4.19% | 31/07/2018 | 4.00% | 4.3% APR | 20% | £495 |
| 5 year fixed rate | 4.50% | 31/07/2018 | 4.00% | 4.6% APR | 15% | £495 |
Variable rate - Equity release
| Mortgage product | Initial deal | Follow-on | Overall cost for comparison | Min deposit | Min product fee | ||
|---|---|---|---|---|---|---|---|
| Rate | Tracks BOE Bank Base Rate | Until | Rate (variable) | ||||
| Standard variable rate | 4.00% | N/A | N/A | 4.00% | 4.1% APR | 15% | £295 |
| Foundations | 4.49% | +3.99% | N/A | 4.00% | 4.7% APR | 25% | £495 |
| 3 year tracker | 2.89% | +2.39% | 29/07/2016 | 4.00% | 4.1% APR | 40% | £495 |
| 3 year tracker | 3.49% | +2.99% | 29/07/2016 | 4.00% | 4.1% APR | 20% | £495 |
| 3 year tracker | 3.90% | +3.40% | 29/07/2016 | 4.00% | 4.1% APR | 15% | £495 |
Mortgage eligibility
At NatWest we seek to understand all of our customers' financial needs and provide a full banking service. Therefore, in order to apply for a mortgage you must hold or open a current account with us. The main applicant's salary must be paid into an account with NatWest throughout the mortgage term, or if earlier, until retirement.