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% to 20% borrowers contribution

Collateral/Security for Loan

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

Documents Required

  • 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
  • If self employed, statement of income or expenses or affidavit of income.
  • 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.
  • One passport-size photograph per applicant
  • 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
  • Character references (two minimum)  Sources Of References – Citizens Bank (