If you are looking to remortgage your home in Jersey, our team of lawyers can assist you throughout the entire process.

Equity Release and Remortgage

Whether you have found a better mortgage deal and therefore are looking to remortgage your property in Jersey, or you want to release some equity tied up in your Jersey property to refurbish your home, Parslows Jersey remortgaging and equity release specialists can assist.

Parslows provide clear, practical advice about the best way to proceed, deal with your bank or lender on your behalf, advise you and take the necessary legal steps towards getting your remortgage or equity release in Jersey finalised.

So what is equity release and remortgage? And how Parslows help with the process in Jersey?

What is a remortgage?

A remortgage in Jersey is, in essence, replacing your existing lender. Remortgaging with a different lender will involve your current mortgage being paid off in full and replaced with a new mortgage.

What is equity release?

Equity is the difference between the value of your Jersey property and the loan(s) secured against your property. Equity release in Jersey is simply the term used for freeing up some of this equity in your Jersey property.

How long does a remortgage in Jersey take?

The process is undertaken by a lawyer to deal with your remortgaging usually takes two or three weeks once we have the security documents which are provided via the lenders Jersey lawyers. You will need to ensure you have obtained a redemption figure from your existing lender in good time to ensure no delays in obtaining your remortgage.

How long does equity release in Jersey take?

From a lawyer’s perspective, the process should take two or three weeks once we have the security documents which are provided via the lenders Jersey lawyers.

Do I need a lawyer to assist with a remortgage or equity release in Jersey?

You will require a lawyer to provide advice on the security documents, the charge over your property and a certificate of title to the lenders Jersey lawyers. The certificate of title is provided to certify the property is suitable as security for the loan.

What does a ‘charge’ over property mean?

When banks and other lenders provide you with a loan, they are likely to require security for their loan. As such, for freehold or flying freehold property, a lender will require that you sign documents that permit them to register a charge against your property in the Royal Court. This will mean that if and when you decide to sell your property you will be obligated to pay the bank off first. A similar process occurs with Jersey share transfer property. In such a case, the bank will secure and hold your share certificates until you repay your loan with them.

Can Parslows advise on whether the lender's loan is suitable for our purposes?

We are not licenced to advise on such issues. If you have queries of this nature, you should speak to your bank or independent financial advisor. Our advice is limited to advising on the security you are providing to the bank for the loan.

We are regularly thanked by our clients for our reasonable rates, exemplary service, communication with clients and ensuring that the whole process runs efficiently.

What our clients say

“Inspired complete confidence …”

We just used Parslows for the purchase of our property. From day one they inspired complete confidence in their handling of the situation. The biggest thing for me though was the super quick responses to my questions, no matter how basic or intricate they were. Thank you.

Residential Property October 24, 2022

“Thank you Mel …”

Thank you Mel for putting up with us, you did everything to get it done for us and we really appreciated it!

Residential Property October 3, 2022

“Recent blog post super helpful …”

I am a first time buyer who is currently working towards making my first property purchase. I just wanted to pop you a note to let you know how much I found your recent blog post super helpful: First-time buyer guide to the different types of property ownerships.

Thanks for taking the time to share useful information.

Residential Property September 22, 2022

“Top notch …”

Everything was absolutely top notch. Thank you so much for all your hard work. We really appreciate you getting everything done on time! Without doubt we will be referring you to everyone we know.

Residential Property September 12, 2022

“Kept fully up to date …”

Excellent news Natalie, and I won’t hesitate to use Parslows again should the need arise. It seemed like very hard work at the last minute, and I’d like to thank you and Parslows for the way you have handled the whole transaction from start to finish. I feel like I have been kept fully up to date throughout, and we got there in the end!

Residential Property July 20, 2022

“Excellent service …”

Excellent service, very thorough and answered all of our questions.

Residential Property July 4, 2022

“Fantastic service …”

I recently sold my property in Jersey and Melanie [Guest] provided a fantastic service at a fraction of the cost of the bigger firms. I'd recommend Parslows without hesitation.

Residential Property May 26, 2022

“Outstanding …”

Communication was outstanding and hassle free. I have no hesitation in recommending this company.

Residential Property March 28, 2022

“The team at Parslows are fantastic …”

The team at Parslows are fantastic, they have become my go to law firm over the years. I love the fact they provide a fixed fee from the start and they go above and beyond to make sure you understand every step they undertake for you.

Sometimes legal processes can be really daunting but the Parslows team make sure you are across all they are doing for you and are always a phone call or an email away. Thank you so much for everything.

Residential Property March 12, 2022

“Extremely happy …”

Very good value service....extremely happy.

Residential Property March 7, 2022

“Speedy response …”

Very good and keep you well informed.  Speedy replies and a friendly team.  Thank you.

Residential Property January 12, 2022

“I wasn’t aware of all the detailed work and research that goes on behind the scenes …”

Thank you both for acting on my behalf on my recent sale and purchase. Being new to the trials of property transactions, I wasn’t aware of all the detailed work and research that goes on behind the scenes, and culminates in that amazing 2 minutes in Court. Well done.

Residential Property December 16, 2021

“Highly approachable …”

They were really helpful and friendly and always highly approachable as well as doing a great job. Would highly recommend them.

Residential Property November 15, 2021

“Top class …”

Thank you to Shaun, Mel, Beverley and all the team at Parslows for a top class, professional service. Their experience, knowledge and overall customer interaction was exemplary. Well done.

Residential Property November 8, 2021

“Amazingly helpful team …”

Thank you for your help with the whole process, you and your team have been amazingly helpful.

Residential Property October 25, 2021

“Highly recommend …”

Mel, Sarah and the team were brilliant assisting me through my first property purchase recently. I really recommend them to anyone considering buying or selling a property.

Residential Property September 28, 2021

“Can’t recommend Parslows enough …”

Mel and the team helped us with the sale and purchase of our properties. Mel kept us up to date at all times and was very responsive to all of our queries. Great service and can’t recommend Parslows enough.

Residential Property September 21, 2021

“Brilliant …”

Sarah and the property team were brilliant. Thank you.

Residential Property August 16, 2021

“Excellent service …”

Excellent service from Mel and her property team.  Would definitely recommend her to anyone.

Residential Property August 10, 2021

“Amazing …”

We used Parslows to sell our property and from the moment we got in contact, Sarah, Toya and their colleagues were amazing and helped us navigate a few bumpy roads. Thank you so much for all your help and professionalism.

Residential Property July 20, 2021

“Thank you property team …”

Thank you for your help property team, it was a great day we all met on the estate on Friday evening and everyone was glad it was finalised with no further delays and we could enjoy our new houses!

We really appreciate your hard work and wish you all the best!

Residential Property July 7, 2021

“Highly recommended …”

A wonderful team. Mel, Shaun, Sarah and Beverley have worked hard in the sale of my property. They have been professional, informative and responsive at every stage of the process guiding me through. I encountered a few issues with the sale which the team resolved efficiently and in a manner that I was completely satisfied with. Their knowledge was and is invaluable and I would highly recommend them to anyone. A big thank you to you all.

Residential Property June 21, 2021

“Thank you …”

I would like to take the time to say thank you for all your hard work and help in relation to the sale of my property.

I appreciate all the effort you put in to successfully complete on the sale. I felt that you supported my father and I through the hiccups we encountered along the way and were delighted with the outcome.

Residential Property June 18, 2021

“Quality service …”

Thank you Parslows for doing such a great job and supporting us all the way through.  Will definitely be recommending if a service is needed.

Quality and price are extremely good! Congratulations on your work and team!

Residential Property June 18, 2021

“I have never worked with such efficient, responsive lawyers …”

Mel Guest and the rest of the team at Parslows have been incredible in supporting us through the purchase of our property. I have never worked with lawyers who have been so efficient, responsive and professional. I highly recommend Mel and her team to anybody buying or selling property in Jersey. I will not work with anybody else should I be buying or selling property in the future.

Residential Property May 19, 2021

“Appreciated the personal touch to the whole process …”

We would like to thank you for all you did in assisting us to purchase our first house. We still can’t really believe we’ve managed to buy a house (especially on Jersey!) and we’re sure without your help and guidance it wouldn’t have happened.  We appreciated your personal touch to the whole process. You certainly made it less daunting. And thank you for tolerating our many silly questions!

Needless to say we will definitely recommend Parslows to anyone in the future. Thanks again for ‘holding our hand’ every step of the way!

Residential Property May 18, 2021

“Thank you …”

Mel and the team at Parslows made the property purchase process simple and efficient.

Thank you so much  for your help. Pauline and Alistair.

Residential Property May 13, 2021

“Fantastic service …”

Fantastic service for our property purchase and making our new Wills.  Would highly recommend Parslows.  Great communication, kept totally up to date with the process and the online system is great for keeping track.

Residential Property April 29, 2021

“100% satisfied …”

100% satisfied with the excellent service and assistance I received during my property purchase.  I would definitely recommend Parslows to others.

Residential Property March 31, 2021

“Good value professional service …”

Sarah and the team at Parslows made the process of a flat sale seem seamless, even their KYC procedures were painless and innovative at a time when we are trying to keep contact to a minimum. I only had to attend their offices once during the whole process which went smoothly from the date of instruction to completion, two weeks earlier than originally intended. I also found the costs very competitive, especially if you use their Will service at the same time. I would highly recommend Parslows for a good value professional service.

Residential Property March 22, 2021

“My first property purchase …”

Mel and the team were very helpful guiding me through my first property purchase. Mel is very responsive to emails and Toya is lovely to deal with, especially during all the COVID disruption.

Residential Property February 1, 2021

“A daunting process made easy …”

Mel and the team at Parslows have been amazing with our house transaction. They have made a very daunting process so easy and kept us up to date all the time. Even during a difficult time with COVID restrictions they made the process so easy for us. Would highly recommend Parslows to anyone.

Residential Property January 12, 2021

“Completely exceeded expectations …”

Couldn't fault them in any way, completely exceeded our expectations! Mel was very helpful and made our property acquisition so easy.

Residential Property January 7, 2021

“Very professional …”

I found the team from Parslows very professional and accommodating when purchasing my property. It was the first time I'd gone through this process and they were very helpful with explaining everything to me. I would use them again for other services they provide. A nice touch was the congratulation card they signed as part of the final handover package.

Residential Property January 7, 2021

“Highly recommended …”

I would like to thank Sarah, Mel and Toya for excellent conveyancing and handling my first time buyer experience with Parslows. Sarah in particular took the time to explain practical aspects of legal documents I received from the seller’s lawyers. Sarah responded to every email and supported us through every obstacle, 6 weeks of delays and document changes.
 
We have also been provided with a practical explanation of non standard legal document prepared by Carl when terms and conditions of sale have changed at no extra cost. Thank you once again for doing a great job! I would highly recommend Parslows to others and will definitely engage the firm in the future. First time buyer

Residential Property January 5, 2021

“Hugely experienced …”

The team at Parslows were very professional, knowledgeable and hardworking on our recent house sale and purchase. Both Mel and Sarah are hugely experienced so have a calm and pragmatic approach, whilst being very responsive, which is essential for navigating the challenges of the Jersey house buying system. We would certainly use Parslows in future.

Residential Property January 5, 2021

“Professionalism and diligence …”

I recently benefited from Parslow's excellent service, professionalism, diligence and the willingness to go all the way. Thanks Sarah, Mel and the team.

Residential Property December 21, 2020

“Fantastic service …”

Fantastic service Melanie. You delivered quick, exceptional service, kept us informed and up to date every step of the way and nothing was too much to ask. Toya, great service too. We definitely recommend and are very happy to use your services again. Good job. Thank you.

Residential Property December 14, 2020

“Excellent and professional conveyancing …”

Excellent and professional conveyancing by Parslows. Mel, Sarah and Toya made sure that all ran smoothly and ensured that we were always up to date with the latest position with out house purchase. Not the fist time we have used Parslows and we would definitely recommend them to others.

Residential Property December 7, 2020

“Strongly recommend the service …”

We really enjoyed our experience with the Parslows team and would strongly recommend their service. Very friendly team.

Residential Property December 7, 2020

“Fast and prompt service …”

Fast and prompt service, they did everything they could to make sure we could complete in a very short time frame which really helped us with lock down restrictions. Kept up to date throughout and the online system also helped. Service didn't stop after completion, we had an issue getting hold of the previous owner to gain access to service charge accounts, a nudge from Parslows did the trick! Thanks Sarah and Mel.

Residential Property November 26, 2020

“The attention to detail with the personal touch is very evident …”

Very impressed with the professional matter in which Parslows operate. Excellent legal firm. The attention to detail with the personal touch is very much evident and appreciated.

Residential Property November 25, 2020

“Immense effort ….”

Thanks to Sarah [Larose] and the property team for the immense effort during the process.

Residential Property November 23, 2020

“10/10 service from start to finish …”

10/10 service from start to finish. If it's an uncomplicated, straight talking law firm that you are looking for in Jersey, then Parslows is it.  Will be using them for life. Thank you.

Residential Property November 19, 2020

“Calm and reassuring …”

Mel and the team at Parslows were calm and reassuring during our house sale and purchase. Exactly what you need at a stressful time! The online system is really useful and gives you the information you need at each stage of the process.

Residential Property November 19, 2020

“No hesitation in recommending …”

I sold my Mum's house and Parslows were excellent to deal with. Would have no hesitation in recommending them. Thank you.

Residential Property November 9, 2020

“Great service from the team at Parslows …”

Great service from all of the team at Parslows - they kept us updated all the time via their App and are very easy to deal with.  Our stress levels were lowered considerably by their helpfulness. Many thanks to Mel and Sarah in particular.

Residential Property October 29, 2020

“Outstanding customer service from start to finish …”

The team at Parslows made the process so easy and straightforward.  Would recommend them to family and friends and would have no hesitation in using them again in the future.

Residential Property October 14, 2020

“We cannot thank you enough …”

If you are buying a property and want as little stress as possible, along with a friendly & efficient service then Mel at Parslows Jersey - Lawyers is your person. Mel, Sarah and the team were available to answer questions when needed, and we were kept up to date with their 'In Touch' app as to where we were in the process of completion (very helpful and easy to use). There were no delays and everything went through on time as planned. We cannot thank you enough, and we look forward to many happy years in our new home.

Residential Property August 24, 2020

“The service is always outstanding …”

We have used Parslows for 3 house sale/ purchases now and the service is always outstanding. Yesterday they apparently had 8 transactions in court yet that didn’t affect the personal service we received throughout our house sale. They keep you up to date at every step and the team are all responsive to questions, lovely to deal with and very supportive throughout the process. Special shout out to Melanie Guest who has been a star.

Residential Property August 10, 2020

“To the lovely lady on reception …”

I am so sorry for not asking your name but I would like to thank you so much for all your help today with the forms and documents.  It was very much appreciated

Residential Property August 3, 2020

“Excellent service and spot on advice ….”

From the point we initially made contact with Parslow's we knew we had made the right choice.  Their service was excellent and advice was spot on.  We will be using them again the future for any requirements we may have.

Residential Property July 16, 2020

“Forever grateful … stress free and efficient.”

Mel, Sarah and team, thank you all so much for providing a stress free and efficient service in helping us buy our first home.  We are forever grateful.

Residential Property April 25, 2020

“Efficient, effective, responsive, reliable, confidence inspiring …”

Its been a pleasure working with you. As I think I have already hinted, you have been efficient, effective, responsive, reliable, confidence inspiring and very personable.

Residential Property March 11, 2020

“Extremely efficient and personable handling …”

Many thanks for the extremely efficient and personable handling of all elements of this transaction, a pleasure to have worked with you on this.

Residential Property March 6, 2020

“Many thanks for all your hard work …”

Many thanks for all your hard work on our behalf.  It is much appreciated.

Residential Property March 6, 2020

“Were really understanding …”

Were really understanding, knew their stuff and assisted us quickly.

Residential Property March 2, 2020

“Very efficient and helpful …”

Very efficient and helpful made selling our property very easy.

Residential Property March 2, 2020

“Highly recommend …’

They knew their stuff and assisted us, I highly recommend.

Residential Property March 2, 2020

“Very efficient …’

Thank you for your services over the last month or so. You have been very efficient and have made this an easy process for us.

Residential Property February 28, 2020

“Amazing work you have done on our behalf …”

Thank you so much for the amazing work you have done on our behalf. I know Gail and I have been very impressed with how you have managed all the difficulties and challenges. Thank you also Mel for all your efforts, greatly appreciated. We hope the new owner will be very happy in our parents house - they were.

Residential Property February 3, 2020

“An incredible effort …”

Thank you so very much for all your help on finalising the purchase. Your company has been absolutely great and I am very grateful for managing to complete it last Friday. It was an incredible effort and I absolutely love my new home. Thank you so very very much!! And have a wonderful Christmas time.

Residential Property December 19, 2019

“Thank you so much …”

Thank you so much for your help and time today. It was very much appreciated.

Residential Property November 26, 2019

“Excellent work …”

Thank you for the excellent work and really fast turnaround.

Residential Property November 25, 2019

“A massive thank you …”

A massive thank you for all of your hard work in helping us move home.

Residential Property November 21, 2019

“A job very well done, under difficult circumstances …”

Congratulations to all on Team Parslows in respect of getting [the property] over the line – a job very well done, under difficult circumstances!

Residential Property November 18, 2019

“A very big thank you …”

A very big thank you to you for doing everything so quickly and efficiently and making the sale and purchase happen.

Residential Property November 12, 2019

“Who says moving home is stressful? …”

I just wanted to say a big thank you to you [Mel] and the team for making our sale and purchase so smooth. Who says moving home is stressful? Hope you have a lovely week.

Residential Property September 24, 2019

“Your system of updates is fantastic …”

Many thanks for your help on this. It was a very stress free transaction and your system of updates is excellent.

Residential Property September 4, 2019

“Absolutely amazing … helped keep us positive and calm …”

You have been absolutely amazing and helped keep us positive and calm even when things went bad.  The time effort and service you have provided us has been the best ever. We got there, thank you.

Residential Property July 31, 2019

“You and the team have been fabulous …”

Thank you for your help and advice.  You and the team have been fabulous and we will sing Parslows praises to all we meet.

Residential Property July 31, 2019

“Very happy with all aspects of Parslows services …”

Thank you to Parslows and thanks again for your work on the sale. We are very happy with all aspects of Parslows services.

 

Residential Property July 26, 2019

“Flawless service …”

To the Parslows property team who helped us sell and purchase our forever home... thank you for such flawless service.

Residential Property July 23, 2019

“A service I wouldn’t hesitate in recommending …”

Parslows assisted me in buying my home in April 2019. Having never owned a home before I was apprehensive about the process, but Carl and the team  made sure that I had all of the guidance I needed, understood what the next steps where and their online tool showing how far we were along was immeasurably helpful. They were communicative and quick to respond both by email and phone and my house went from offer to completion in a matter of a few short weeks. An easy process and a service I wouldn’t hesitate in recommending to any first time buyer.

Residential Property July 15, 2019

“Would not hesitate to come back …”

We have used Parslows previously for other matters and would not hesitate to come back to you again.

Residential Property July 12, 2019

“We could pick up the phone to you anytime and ask any questions, without it being a problem …’

I would just like to say a big thank you to you and the team. Last week was just a little bit stressful, but it was nice to know that we could pick up the phone to you and ask any questions, without it being a problem.

 

Residential Property July 9, 2019

“Thank you for your help in every step of the way …”

To everyone @ Parslows - we would like to thank you for your help in every process step to our new property.

Residential Property June 11, 2019

“Parslows were absolutely incredible for me …”

Parslows were absolutely incredible for me! They have a new conveyancing manager and she gives a really good service and aftercare if you have questions.

Residential Property May 23, 2019

“Thank you for all your efforts at keeping things on track …

Thank you for all your help and support through our purchase and sale.  Thank you for all your efforts in keeping everything on track. 

Residential Property May 13, 2019

“Thank you all so very much for looking after us …”

Thank you all so very much for looking after us. I think we are going to be very happy in our new home.

Residential Property April 18, 2019

“You’ve all been amazing …”

Just a note to say thank you very much for your patience and attention regarding my property purchase. You've all been AMAZING, answering all my questions and reassuring me when I was anxious. Many, many thanks for looking after me.

Residential Property April 16, 2019

“Thanks to you and your team for making Friday happen …”

We all just want to express thanks to you and your team for making Friday happen. It’s been a long time in the thinking process and to have reached the move has been good for us all. Once again many thanks.

Residential Property April 15, 2019

“Thanks for getting this one over the line …2

Now I’m back in Jersey I just wanted to drop you an email to say thanks for getting this one over the line last week and for all your efforts. Very much appreciated.

Residential Property April 15, 2019

“Highly recommended …”

Thank you for your assistance with our recent property purchase.  We are very happy with the service of Parslows and would highly recommend you. All the best.

Residential Property March 1, 2019

“I was very impressed with everything that you did …”

I will definitely recommend you to anyone who may ask me about legal services, I was very impressed with everything that you did.

Residential Property February 5, 2019

“Responded swiftly to all my enquiries and was generally a great asset to my property transaction …”

I would thoroughly recommend Parslows Jersey, and would have no hesitation employing their services again. The team, and especially Carl Parslow, was really helpful, acted intelligently and promptly, responded swiftly to all my enquiries and was generally a great asset to my property transaction.

In a world where so many old fashioned values have been lost, Carl's kindness and 'out of his way' help made so much difference. Thank you Carl and your team.

Residential Property November 16, 2018

“Acted intelligently and promptly, responded swiftly to all my enquiries …”

I would thoroughly recommend Parslows Jersey, and would have no hesitation employing their services again. The team, and especially Carl Parslow, was really helpful, acted intelligently and promptly, responded swiftly to all my enquiries and was generally a great asset to my property transaction. In a world where so many old fashioned values have been lost, Carl's kindness and 'out of his way' help made so much difference. Thank you Carl and your team.

Residential Property November 13, 2018

“Professionalism & exceptional service …”

I would highly recommend Parslows Jersey. Many thanks for your professionalism & exceptional service.

Residential Property October 1, 2018

“Highly recommended …”

Parslows were excellent in the way they handled this sale.  I will certainly recommend you to friends and family in Jersey.

Residential Property August 21, 2018

“professional stress free journey …”

We’ve recently had the pleasure of Parslows completing our conveyances and would like to thank them for a professional stress free journey.

Residential Property August 9, 2018

“Nothing short of exemplary …”

The service you and your team afforded us during our [residential] property sale was nothing short of exemplary; we would certainly have no hesitation in recommending you or your firm's services to any of our family, friends and colleagues.

Residential Property July 2, 2018

“It certainly wasn’t an entirely smooth process but you made it all a lot easier …”

I just wanted to say thank you for dealing with everything so promptly to enable completion to take place. It certainly wasn't an entirely smooth process but you made it all a lot easier.

 

Residential Property July 2, 2018

“Will both continue to use Parslows in future as you have all been excellent …”

Many thanks, I really appreciate what you have done for us especially when we had a few hic-ups along the way. We will both continue to use Parslows in future as you have all been excellent!

Residential Property July 2, 2018

“Appreciate all the efforts involved …”

Thank you for all your help in ensuring we made the Court date on Friday.  I appreciate all the efforts involved and am very grateful for these.

Residential Property May 15, 2018

“Highly efficient …”

With many thanks for your efficient service and patience.

Residential Property April 16, 2018

“Huge thank you …”

I would like to say a huge thank you. I was so nervous about the whole process but Lindsay you put me at ease and answered all my questions. Carl, thank you for going over those documents for me the other day and explaining everything to me.  I have heard nothing but horror stories about lawyers from friends who have gone through the house purchasing process, but this absolutely was not the case for me!

Residential Property April 9, 2018