FGB Residential Home Mortgage (NHT Joint Financing Available)

The Joint FGB/NHT Residential Home Mortgage facility will unlock the doors to your own home. Make the dream of owning your own home a reality with FGB!


  • Borrow up to J$25 Million or 97% of purchase price
  • Low rates with up to 30 years or up to retirement to repay.
  • Access a loan for home insurance coverage
  • Protect your home for the full replacement value with affordable blanket insurance from GK Insurance
  • Choose to insure the principal value of your home with Creditor’s Life Insurance from GK Insurance
  • NHT Joint financing available

Terms & Conditions

  • Must be a current contributor to the NHT, and have made at least 52 weekly contributions, 13 of which must have happened within 26 weeks prior to the application
  • Available to persons who have never received a benefit from NHT
  • Must be permanently employed for at least two years
  • Self-employed persons must provide audited financial statements &/or bank statements
  • Fire & peril insurance required

Documentation to get started (FGB Requirements)

  • Sale agreement
  • Deposit receipt
  • Valuation report (must be on the FGB list of approved valuators)
  • Surveyors ID Report
  • Up to date property tax certificate and utility bills
  • Fire and peril Insurance
  • Evidence of up to date maintenance/strata fees (where applicable)

For a full list of documentation requirements required by the NHT please call us or visit https://www-2.nht.gov.jm/loans/eligibility-letter

Rates, Terms and Conditions are subject to change. Give us a call at 888-CALL-FGB (225-5342) or send us an email at fgb@gkco.com to learn about these and other loans designed to assist you to achieve your goals.