Residential Mortgages

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

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!

  • Competitive interest rates computed on a reducing balance
  • Repayment period to a maximum of twenty-five (25) years
  • A minimum of 10% of borrowers’ contribution

Collateral/Security for Loan

  • A mortgage over the property (house and /or land) being financed by the bank
  • Assignment of adequate fire insurance coverage
  • Assignment of the borrower(s) life insurance

Interested in one of our Residential Mortgages?

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

Submit Enquiry Online

Application Requirements

  • Valid National Identification Card or Passport or Driver’s License
  • Proof of address – Recent utility bill (3 months) or postmarked letter or valid Driver’s License
  • Employment letter stating current position, date of employment and salary and other cash benefits
  • TIN Certificate
  • If self employed, statement of income or expenses or affidavit of income.
  • Copy of transport/title/lease document or letter of intent/agreement of sale & purchase if property is being purchased.
  • Copies of receipts for leases, rates and taxes etc
  • Certificate of Valuation for property or projected valuation
  • Estimate of construction or renovation cost
  • An approved Building plan from the relevant statutory body
  • Receipts for materials/items purchased (for construction commenced)
  • 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

Get started on building your dream home today!

Do you have a house lot and need assistance to build your home? We have Low Income Mortgages to suit your needs.


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  • View Application Requirements

    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

Find Out More

View related fees here: www.citizensbankgy.com/about-us/fee-structure/