Estimate your monthly payment, see what you can afford, and budget for closing costs — then explore the financing options available to buyers in Jamaica and the diaspora.
Jamaica estimate. By convention buyer and seller share stamp duty and registration; each pays their own attorney; the seller pays transfer tax. Confirm the split in your sale agreement.
These calculators are for guidance only and do not constitute a loan offer. Actual figures depend on your lender, credit profile and current rates.
From the National Housing Trust to building societies and commercial banks — including options for the diaspora. Rate ranges are indicative for 2026; confirm current terms with each institution.
0%–5% p.a. by income band
The lowest rates for contributors. Individual loan limit up to J$9M (up to J$12M on homes priced J$14M or less, subject to availability). Combine with a bank “top-up” loan for higher-priced homes.
NHT loans →~7%–9% p.a. typical
JN Bank and Victoria Mutual (VMBS) offer competitive mortgages, diaspora programmes and NHT top-up loans, often with longer terms.
JN Bank mortgages →~9%–12% p.a. typical
NCB, Scotiabank, Sagicor Bank and JMMB provide residential mortgages, pre-approvals and financing for overseas Jamaicans buying at home.
Sagicor mortgages →Developer & buyer support
Government agency supporting housing finance and mortgage indemnity insurance, which can reduce the deposit required on an insured loan.
Learn more →Check your NHT points and get a bank pre-approval so you know your budget.
Choose a Kemtek development and place a deposit to secure your home.
Combine NHT with a bank top-up if needed; your attorney handles the transfer.
Settle closing costs, register the title, and collect your keys.
