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Personal · Lending Services
Mortgages
Buying or building your home is one of the biggest financial moves you'll make. A mortgage from The Bank of Nevis pairs you with friendly lenders, competitive terms, and the support to walk into your own front door.
Overview
01Why this loan
Competitive ratesNegotiable terms tailored to your situation.
Up to 25 yearsLong repayment terms keep monthly payments manageable.
No pre-payment penaltyPay extra (or pay it off) whenever you can.
For nationals & abroadLive here or live overseas - we'll work with you.
Other terms and conditions apply.
Estimate your payment
02Adjust the sliders to see how your monthly payment changes. Want amortization details? Open the full Loan Calculator.
What you need to apply
03Have these ready when you visit a branch or upload them on the Loans Portal. The faster we have them, the faster we can decide.
10-15% down (nationals)Different terms apply for other applicants. Land value is taken into account.
Detailed builder estimateSigned by your builder/contractor, clearly defining each stage of construction.
Approved building planPlan must be approved before disbursement.
Clear title to the landIncluding land valuation by an approved valuer.
Job letter + recent pay slipConfirms salary, date and status of employment.
Two photo IDsPassport, SSN card, driver's licence or national ID.
Banker's referenceFor nationals living abroad and non-nationals.
Two years of tax returnsFor nationals living abroad and non-nationals.
Life insuranceRequired to protect your family and the loan.
Apply now
04Two ways to apply - online through our secure Loans Portal, or in person at any branch. Our lending officers will walk you through the requirements and help structure a loan that fits.
Frequently asked
Got questions?
How long does approval take?
With complete documents, most personal loans are approved within 3-5 business days. Mortgages take 2-3 weeks because of valuation and title work.
Is there a pre-payment penalty?
No. You can pay extra or pay off your loan in full at any time without penalty.
What if my application is declined?
We'll explain why and what could change the answer. You can also reapply after addressing the issue - there's no waiting period.
Can I apply if I'm a non-national?
Yes. Different documentation requirements apply (banker's reference, two years of tax returns, larger down payment for mortgages). Speak to a lender for the specifics.
Do you offer joint applications?
Yes - co-applicants and guarantors are welcome and can strengthen your application. Bring their ID and income documents when you apply.
Still have questions? Talk to us →
Ready to apply
Own your home with a Bank of Nevis mortgage.
Our lending team will walk you through the process and structure a loan that fits your situation.