AI-powered site launches to simplify mortgage comparisons in Jersey

Islanders looking for a mortgage can now compare every product available in Jersey in just seconds, thanks to a new free website, Swoop.je.

The AI-powered platform brings together more than 300 mortgage products from all seven local lenders, allowing users to view them side by side in one place. By entering a property value and deposit amount, users can instantly see estimated monthly repayments for each mortgage, along with associated stamp duty and legal costs.

Swoop.je has been built using a technique known as “vibe coding”, a modern approach to software development where artificial intelligence is prompted to create software rather than developers writing code line by line. This has enabled the platform to be developed much faster and at a significantly lower cost than traditional projects.

AI is also used to automatically collect mortgage rates from each lender’s website every day, helping to ensure the information shown on Swoop.je remains accurate and up to date.

The website includes an AI assistant called Morty the seagull, who helps users navigate the home-buying process, explains mortgage terminology and answers general questions about borrowing.

“Our goal with Swoop.je is to make mortgage information clear, accessible, and unbiased for everyone in Jersey,” said Phil de Gruchy, founder of Blue Llama, the local digital agency behind the project.

“AI has allowed us to create something that delivers genuine value to islanders, giving them confidence and clarity in what can often be a confusing and stressful process.”

Swoop.je is independent, free to use and open to everyone, with no requirement to sign up and no lender bias.