What would you like to know?
Try asking about today's foreign exchange rates - e.g. "buy rate for USD" or "EUR sell rate" - and BON will answer instantly. For anything else, hit Enter to search the whole site.
Personal · Lending Services
Land Loans
A Land Loan from The Bank of Nevis gives you the funding to buy that ideal piece of land - whether you plan to build later, hold as an investment, or both. Friendly officers, competitive terms.
Overview
01Why this loan
Competitive interestAmong the best rates in the region.
Up to 10 yearsRepayment terms that fit your plan.
No pre-payment penaltyPay it down faster whenever you can.
Local land specialistsOfficers who know Nevis and St. Kitts.
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% down paymentMinimum, based on purchase price or valuation, whichever is lower.
Evidence of landSale agreement, deed, or registered title.
Independent land valuationFrom an approved valuer.
Job letter + recent pay slipConfirms income and employment.
Two photo IDsPassport, SSN card, driver's licence or national ID.
Life insuranceRequired to protect 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
Find your land. We'll help you finance it.
Our lending team will walk you through the process and structure a loan that fits your situation.