About Mortgage Loans

The perfect home begins with the right mortgage. Whether buying or building your first home or financing renovations, we’ll help you find the best solution for your unique needs. From start to finish, we make the process transparent and manageable, so you can focus on what matters: making a house your home.

How It Works Getting started is simple:

• Apply In-Branch – Complete our application form.
• Get an Assessment – Analyse the budget before building or buying.
• Finalise Your Loan – Choose the right product with help from our officers.
• Move Forward – Whether moving in or building out, your loan is ready.

Why Choose Us?

• Tailored Options: Mortgage products that fit your plans and budget.
• Friendly Guidance: Talk to real people who understand home financing.
• Competitive Rates: Get more for your money with great interest.
• Smooth Process: We make each step easy, from application to closing.

Construction Loans

Laying a foundation for your future? Our construction loans can help you build your home from the ground up. With interest-only payments during construction and an easy transition to a permanent mortgage, you can confidently break ground.

Primary Requirements

• Valid Passport
• Employment/Job Letter
• Salary/Pay Slips: most recent (1) month
• Rent Receipts: Last two (2) months (if applicable)
• If self-employed and or primary shareholder (ownership of ≥ 20%), you must submit a Professional/Character Reference Letter OR Bank Reference Letter AND Company Financial Statements for the last two (2) years.
• Nonrefundable application fee

Other Requirements

• Approved Plans issued by the Town and Country Planning Department, Government of the Virgin Islands
• Building Permit, issued by the Public Works Department, Government of the Virgin Islands
• Two (2) independent licensed contractors’ estimates with proof of Trade License
• Appraisal Report – inclusive of the estimated value upon completion of the project
• “As Built” Survey

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Home Purchase Loans

Buying your first home—or your next? We offer a range of Home Purchase Loans with competitive rates, personalised terms, and quick approvals. Whether you’re a first-time buyer or a seasoned homeowner, we’re here to make the process simple and rewarding.

Primary Requirements

• Valid Passport
• Employment/Job Letter
• Salary/Pay Slips: most recent (1) month
• Rent Receipts: Last two (2) months (if applicable)
• If self-employed and or primary shareholder (ownership of ≥ 20%), you must submit a Professional/Character Reference Letter OR Bank Reference Letter AND Company Financial Statements for the last two (2) years.
• Nonrefundable application fee

Other Requirements

• Sales Agreement
• Appraisal Report
• Belonger Card/Non-Belongers Land Holding Licence (as per the government website)
• “As Built” Survey

*Additional documents may be required. Terms and conditions apply.

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Home Repair & Renovation

Love where you live, but want to refresh or expand? Our Home Repair & Renovation Loans help you invest in upgrades and repairs that add comfort, value, and style to your home. From new kitchens to roof repairs, we’ll help finance your vision.

Primary Requirements

• Valid Passport
• Employment/Job Letter
• Salary/Pay Slips: most recent (1) month
• Rent Receipts: Last two (2) months (if applicable)
• If self-employed and or primary shareholder (ownership of ≥ 20%), you must submit a Professional/Character Reference Letter OR Bank Reference Letter AND Company Financial Statements for the last two (2) years.
• Nonrefundable application fee

Other Requirements

• Two (2) independent licensed contractors’/builders’ estimates with proof of Trade License
• Appraisal Report

*Additional documents may be required. Terms and conditions apply.
Contact us