The information contained in this section is intended for brokers and intermediaries only. Direct customers should not use this information as a basis for financial decisions.

Mortgage fees and charges

with effect from 1 February 2011

This is a list of charges which may arise in the processing and administration of JHL mortgages. Each year we will send a copy to all our mortgage customers.


Property value Fee* Property value Fee*
up to £150,000 £262 £450,001 to £500,000 £630
£150,001 to £200,000 £315 £500,001 to £600,000 £735
£200,001 to £250,000 £367 £600,001 to £700,000 £787
£250,001 to £300,000 £420 £700,001 to £800,000 £866
£300,001 to £350,000 £472 £800,001 to £900,000 £945
£350,001 to £400,000 £525 £900,001 to £1,000,000 £1,050
£400,001 to £450,000 £577 over £1,000,000 by arrangement

*Goods and services tax are included in the above fee scale.

New mortgage applications

  • CHAPS (bank transfer fee) £25
  • Booking fee (as per terms of product chosen)

Applications for additional borrowing

  • Further Advance application fee £50 (payable on application)
  • CHAPS fee/bank transfer fee £25
    (if the customer wants the additional funds sent quickly to a third party)

Arrears

  • Instructing, litigation proceedings and letter before action £100
  • Possession proceedings (plus disbursements*) £150 - £550
  • Arrears/litigation letters/telephone calls £25 per item

Miscellaneous

  • Standing order, direct debit or cheque returned by bank £25
  • Administration fee on redemption £50
  • Early repayment charges (as advised in facility letter)
  • Non standard enquiries (including interim mortgage statement) £25
  • 2nd/subsequent redemption statement requests £25

*Disbursement are payments made to third parties and/or costs/expenses incurred by Jersey Home Loans (eg court fees etc).

Where appropriate, refund/waiver of fees is made at the discretion of the Company.

All loans are subject to availability, security and status and are available to those aged
18 or over unless otherwise stated.