What JMMB Bank (T&T) publicly states
Mortgage pricing is not determined by a headline rate alone. The lender may consider income, existing debt, credit history, down payment, the property, loan-to-value, term, employment profile and other underwriting factors. Where a reference rate or promotional figure is shown here, treat it as a research starting point and confirm the lender’s current offer for your application.
Mortgage requirements
- Two government-issued IDs
- Utility bill
- Job letter and recent payslip
- Six months of bank statements
- Recent valuation
- Deed and sale agreement
- Additional financials for contract/self-employed applicants
Financing and lending considerations
- Additional financing may be available for valuation, legal and other closing costs.
- Published banking fees effective February 2026 include a 1.5% acceptance/commitment fee, minimum TT$500.
Before you apply
Prepare your income evidence, current debt statements, proof of down payment and property documentation before the formal application. Ask the lender for the current annual percentage rate or effective borrowing cost, the repayment schedule, all acceptance/processing fees, mortgage-indemnity requirements, valuation/legal costs and any conditions that can change the rate later.
