Understanding Jersey’s property landscape in 2025

What the latest market data tells us

Jersey’s property market is showing steady activity. The House Price Report for the first quarter of 2025 was released by Statistics Jersey recently and highlighted a number of trends that support the ongoing activity in the Jersey property market.

Key property trends in Jersey – Q1 2025:

• The average property price in Jersey, based on the last 12 months of sales, was 1% lower than the previous quarter and 14% below the peak seen in late 2022.¹
• Prices for 4-bedroom houses increased, largely due to an increase in high-value sales (over £3 million). Prices for all other property types fell compared to the previous quarter.²
• The number of property sales (turnover) was up 90% compared to the same time last year and 7% higher than in the previous quarter.³
• Turnover of properties was still 29% lower than the average for the same period between 2021 and 2023.⁴

What this means for Jersey buyers

The report shows that while property prices in Jersey are still adjusting, the market is far from quiet. In fact, there’s been a noticeable rise in sales of larger, high-value homes, suggesting that confidence remains strong at the top end of the market.

This shows that many people still see property in Jersey as a worthwhile investment, whether they’re buying a home, helping a family member get started, or looking for a long-term opportunity.

Interest rates are also playing a big role. In the UK, mortgage rates have been falling, but in Jersey, they’ve stayed much the same. That may change, depending on upcoming decisions from the Bank of England, but for now, there’s still a clear gap.

For anyone thinking about buying, interest rates can make a big difference to monthly repayments and overall affordability. They’re also a key factor in how the market moves.

A solution that works for you

As an international private bank and wealth planner, our mortgage rates follow the UK market. This means our clients in Jersey can often access better rates than those offered by other local providers, a difference that can really add up in today’s market.

But borrowing isn’t just about getting a good interest rate. Buying property can be complicated, especially for people with non-standard financial situations, like business owners or those with complex family wealth. Many high-street banks use a strict yes-or-no approach that doesn’t always work for these people.

Nedbank Private Wealth’s approach to lending looks at your whole financial picture to find a personalised mortgage solution for you. Because we also offer private banking, wealth planning, and investment management, we can help ensure your mortgage fits with your wider financial goals, not just your property purchase.

As the market changes, having flexible options and trusted advice can make all the difference.

For more information, please get in touch.

¹House price report for the first quarter 2025
²House price report for the first quarter 2025
³House price report for the first quarter 2025
⁴House price report for the first quarter 2025