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Mortgages

Residential Mortgages

Moving into your dream home is easy with a Residential Mortgage from Citizens Bank. Apply today.

 
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Competitive interest rates computed on a reducing balance

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Repayment period to a maximum of twenty-five (25) years

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A minimum of 10% of borrowers’ contribution

Collateral/Security for Loan

Do you have a house lot and need assistance to build your forever home? Have you found your dream house and need help making it a reality? A mortgage can help finance home and land purchase, construction, home improvement and more!

 

Excel Savings Accounts

Excel Savings Account Basic Features

Interested in one of our Residential
Mortgages?

Submit an enquiry online and one of our representatives will arrange a call to discuss your needs.

 

Application Requirements

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Valid National Identification Card or Passport or Driver’s License

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Proof of address – Recent utility bill (3 months) or postmarked letter or valid Driver’s License

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Employment letter stating current position, date of employment and salary and other cash benefits

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TIN Certificate

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If self employed, statement of income or expenses or affidavit of income.

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Copy of transport/title/lease document or letter of intent/agreement of sale & purchase if property is being purchased.

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Copies of receipts for leases, rates and taxes etc

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Certificate of Valuation for property or projected valuation

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Estimate of construction or renovation cost

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An approved Building plan from the relevant statutory body

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Receipts for materials/items purchased (for construction commenced)

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Statement from other financial institutions, including Hire Purchase Agreements (if applicable) of loan accounts showing balances and monthly installments payable. Satisfactory credit report

Low Income Mortgages

Corporate Chequing Basic Features

  1. Valid National Identification Card or Passport or Driver’s License
  2. Proof of address – Recent utility bill (3 months) or postmarked letter or valid Driver’s License
  3. Employment letter stating current position, date of employment, salary and other cash benefits
  4. If self employed, statement of income or expenses or affidavit of income.
  5. Letter of Assurance from Central Housing and Planning Authority, copy of transport/title or letter of Intent/Agreement of Sale & Purchase if property is being purchased
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