Whether you’re considering buying your first home, upgrading, or downsizing, this year offers compelling reasons to make a move. There’s no better time than now, and here’s why:

Prices Have Stabilised After the Peak

Both islands have seen property prices correct from the volatile highs of the COVID period, creating a more balanced market. In Guernsey, the most recent Property Bulletin shows the Local Market average at £592,584 in Q3 2025, down 0.7% from the previous quarter and 2.8% year-on-year. Jersey has experienced a similar trend, with the House Price Index indicating prices remain 13% below the peak of Q3 2022, despite modest quarterly increases in 2025. For buyers, this means better value compared to two years ago, while sellers benefit from confidence now the market is not in freefall decline.

Market Activity Is Warming Back Up

Transaction volumes surged towards the end of 2025 across the Channel Islands, signalling renewed confidence and liquidity. Guernsey recorded 209 Local Market transactions in Q3 2025, up from 165 in Q3 2024. Jersey saw an even stronger rebound, with turnover in Q3 2025 55% higher than the same period in 2024 and overall activity up 31% year-on-year. More activity means more choice for buyers and a better chance for sellers to achieve a timely sale process. This upward trend suggests that 2026 will be a year of momentum, making it easier to find the right property and achieve successful sales.

Rental Market Pressures Create Opportunity

Rental dynamics continue to shape investment decisions in both markets. In Guernsey, the average monthly rent reached £2,112 in Q3 2025, up 2.8% year-on-year, supporting strong rental yields for investors. Jersey’s private sector rents remained stable over the year, but the number of available rental properties fell in 2025, creating sustained demand. For investors, these conditions make buy-to-let an attractive option. For renters, rising rents and improving mortgage affordability in 2026 make homeownership increasingly appealing.

In Your Interest

The forecasted decline in UK interest rates during 2026, potentially falling from 3.75% to as low as 3.0%, is good news for all those looking to buy in the Channel Islands. Local mortgage products are closely tied to UK base rates; therefore, lower borrowing costs improve affordability for buyers. This means monthly repayments could become significantly more manageable, encouraging first-time buyers and owners considering a move to act. Furthermore, the median loan-to-value ratio remains high at 79%, showing lenders are still willing to finance a significant portion of property purchases. Combined with the predicted UK interest rate cuts in 2026, borrowing costs are likely to fall, making mortgages more affordable and boosting buyer confidence. For sellers, this increased buyer confidence often results in faster sales and stronger demand. With rates expected to ease throughout the year, 2026 offers a prime window to secure favourable mortgage deals and make your next move in the Channel Islands.

2026 IS THE YEAR FOR MAKING MOVES

As we step into 2026, the Channel Islands property market is showing signs of renewed confidence and opportunity.

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