General website terms and conditions

Jersey Home Loans and JHL are trading names of Jersey Home Loans Limited, a company registered in the Island of Jersey (Company number 86636), whose registered office is 26 New Street, St Helier, Jersey, Channel Islands JE2 3RA.

In these terms and conditions when we use the words "JHL", "Jersey Home Loans", "we", "us" and similar expressions we are referring to Jersey Home Loans Limited.

You may also wish to refer to our privacy policy and cookies policy.

Website terms and conditions

Please read these terms and conditions carefully.

When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by JHL from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.

These terms and conditions only cover your usage of the site. Our products have their own terms and conditions, and you should read those if you are interested in any product. If the product terms and conditions are different from the site terms it is the product ones that apply.

Use of this website

Information provided on this website is intended to be viewed by residents of the Island of Jersey and does not constitute an offer to sell our products or do business with anyone located anywhere outside the Island of Jersey.

Copyright and trade marks

JHL does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use but not for any other purpose, nor do you have the right to alter anything.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to JHL and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.


This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos, trade marks and information about JHL and on the products and services it provides (the "information").

The website and information is provided "as is" and on an "as available" basis only and JHL does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information. No responsibility is accepted by or on behalf of JHL for any errors, omissions, or inaccuracies in the information on the website.

Although JHL attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of JHL, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website.


We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.


Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.


Websites to which this website is linked have not been reviewed by JHL. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

Data protection

When you use this website and/or if you apply for products or services on our website, we will obtain some of your personal information, please refer to our privacy policy to understand how we will process, use and store your personal information.

Applicable law and jurisdiction

Use of this website and these terms and conditions are subject to the laws of the Island of Jersey and the jurisdiction of the Royal Court of Jersey. By using this website, you irrevocably submit to the jurisdiction of the Royal Court of Jersey and you agree that JHL may bring any action against you in any other court (whose jurisdiction you agree to submit to) if that is more appropriate in the circumstances.

About us

This website is owned and operated by Jersey Home Loans Limited, a company registered in the Island of Jersey (Company number 86636), whose registered office is 26 New Street, St Helier, Jersey, Channel Islands JE2 3RA.

Jersey Home Loans Limited is a wholly owned subsidiary of OneSavings Bank Plc, a company registered in England and Wales (Company Number 7312896) and whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET. OneSavings Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504).

Jersey Home Loans Limited is registered under the Companies (Jersey) Law 1991 (as amended), however it does not conduct any regulated activity in Jersey and is therefore not subject to regulation by the Jersey Financial Services Commission for the conduct of its business. We are however a subscriber to the Jersey Code of Practice for Consumer Lending and we ensure, as far as possible, that we follow the standards of good lending practice set out in those Codes. Please note that the rules of the UK Financial Conduct Authority, [the UK Consumer Credit Act] and the UK Compensation Scheme do not apply to Jersey Home Loans Limited and its business.