Buying property in Jersey: a practical checklist

Use this sequence to investigate a home before making a commitment. Asking prices are not valuations, and a listing's category is not confirmation that you can buy it.

1. Confirm eligibility and the property's category

Qualified and Registered describe property categories. Your CHW status, any individual conditions and the proposed transaction determine what you may buy or occupy. Read the Government of Jersey housing guidance and ask your property lawyer to confirm your position.

2. Compare the actual property and its evidence

• Confirm the address, tenure, availability and advertised asking price with the agent.
• Ask for documents covering the title, boundaries, access, shared obligations and restrictions.
• Arrange the surveys and finance checks appropriate to the property.
• Check approved plans and conditions through the official planning search. A marketing description is not evidence of planning permission.

3. Get a written total-cost estimate

The transaction structure matters: ask whether the purchase is freehold, flying freehold or share transfer, and which taxes, registration charges and professional fees apply. Use the current Government property transaction tax rates. Have your lawyer or tax adviser calculate your particular purchase, including any borrowing and relief eligibility, rather than relying on a cached rate table.

4. Agree the completion process

Ask your lawyer to explain the documents, conditions, funding deadlines and completion arrangements for the ownership structure you are buying. Confirm what becomes binding and when before making commitments.

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Housing guidance checked 19 September 2026. This checklist is general information, not legal or financial advice.