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Mortgage Loan

 We have enetered into a Pari Passu Arrangement with National Housing Trust (NHT) to make it easier for you!

Terms

  • First time homeowners
  • 10% of loan required as ‘free’ shares
  • 10% share saving upon repayment
  • Up to 40 yrs to repay, depending on age
  • Up to 30 years to repay if loan is for building on own land
  • Salary Deduction only (no over-counter payments)

*Conditions Apply

General Documents Needed

  • Valid ID
  • Current valuation of property
  • Finalized sale agreement
  • Eligibility letter from NHT or other lending institution
  • Representation Letter from Attorney assisting with proposed purchase
  • Status of Water Rate/Bill for property

NB: Disbursement will be done in three stages with an inspection after each stage.

Self Employed

  • Certificate of registration for business – business must be registered for a minimum of one year with financial statements to reflect the last three years of operation.
  • Bank printout of salary account for the last year
  • Employment and Income Verification Letter from Accountant verifying monthly salary.

Not sure if you qualify for a mortgage loan?

Get a Check Done

View the Checklists Below

  1. Job Letter
  2. Last three months’ payslips
  3. Last six months bank printout of salary account
  4. Credit Check Forms (2)
  5. Sales Agreement of at least 90 days duration with a minimum of 60 days left for completion of transaction from the date of submission of the application.
  1. Valuation report with existing value and expected future value from a qualified professional.  
  2. Surveyor Report done by a qualified professional.
  1. Deposit Receipt
  2. Statement of Account from Vendors Attorney
  3. Letter of Commitment/ Eligibility letter from other financial institution
  4. TRN
  5. NIS
  6. Valid ID
  7. Proof of Address
  1. Job Letter
  2. Last three months’ payslips
  3. Last six months bank printout of salary account
  4. Credit Check Forms (2)
  1. House Plan with Approval from the relevant parish council.
  2. Valuation report with existing value and expected future value from a qualified professional.  
  3. Surveyor Report done by a qualified professional.
  4. Bill of Quantity from a qualified professional (licensed contractor or quantity surveyor)
  5. Proof of ownership
  1. Statement of Account from lien holders
  2.  TRN
  3. NIS
  4. Valid ID
  5. Proof of Address
  1. Job Letter
  2. Last three months’ payslips
  3. Last six months bank printout of salary account
  4. Credit Check Forms (2)
  1. Valuation report with existing value from a qualified professional.  
  2. Surveyor Report done by a qualified professional.
  3. Proof of ownership
  1. Statement of Account from lien holders
  2.  TRN
  3. NIS
  4. Valid ID
  5. Proof of Address
Download All Checklist
Apply for a Loan

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