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Mortgage Promotion

First Citizens Mortgages, the Lightest Mortgage Ever! Finally… you can afford to own your dream home. With a First Citizens mortgage, you get our lowest interest rate ever based on the Mortgage Market Reference Rate (MMRR). Plus more…

  • Savings:

1. Up to 90% financing on land & building with up to 35 years to repay **
2. Up to 85% financing on land only with up to 20 years to repay **
3. Longer repayment terms for more affordable installments
4. Our lowest rates ever
6. Reward Card with impressive discounts at valued merchants!
7. Special offers on loans to Secure your Home and Cool Down your Home.
** Special Conditions Apply

 

  • Accessibility and Speed: Apply for any of these facilities at any of our Branches nationwide or Online

 

  • Flexible Repayments Options

1. Fortnightly payments
2. Lump sum payments- maximum of two per calendar year will be allowed provided they are a minimum of $50.0K each and a minimum of one month’s written notice is given.
3. No Penalty for Early Repayment – provided three (3) month’s written notice is given.

 

  • Additional Benefits

1. Short Term Loans for Mortgage Related Fees
2. Short Term Installment Loans for Securing your home
3. Short Term Installment Loans for Cooling down your home

 

Feel Safe with a First Citizens Secure Your Home Loan

Qualify for our residential Mortgage LITE loan and get a Secure Your Home Loan. Purchase surveillance, motion detectors, burglar proofing and more for peace of mind!

Enjoy:

  • Up to$100,000 – proof of purpose required
  • No down payment
  • No collateral
  • No installments for the first 2 months
  • Free Internet Banking, Tele-Banking and Mobile Banking
     

Chill with a First Citizens Cool Down Loan

Qualify for our residential Mortgage LITE loan and get a Cool Down Loan. Purchase air condition units for your entire home and chill out!

Enjoy:

  • Up to $50,000.00– proof of purpose required
  • No down payment
  • No collateral
  • No installments for the first 2 months
  • Free Internet Banking, Tele-Banking and Mobile Bank
     

Lighten up your fees with a First Citizens Mortgage Related Fees Loan

Qualify for our residential Mortgage LITE loan and get a Mortgage Related Fees Loan. Easily pay for your closing fees and more!

Enjoy:

  • Up to $100,000.00
  • Only 20% Down payment
  • No collateral
  • No installments for the first two months
  • Free Internet Banking, Tele-Banking and Mobile Banking
     

Our Mortgage Reward Program

Free… all our successful mortgage applicants receive discounts of between 5% and 20% on materials for building and/or furnishing their home. These discounts would be available from the following merchants:

  • ABEL/Bestcrete 7% - 10%
  • Ceramic (Trinidad) Limited 10% (except tiles on sale and grout)
  • Lewis Appliances 5% - 20%
  • Bhagwansingh’s 5%
  • Dansteel 5%
  • Berger Paints – 15 % off on a single purchase (except primers)
  • ABC Baths/ Doors – 10%
  • Roofman Ltd – 5%
  • Solaris – 20%

All customers with approved motgages would receive a First Citizens Discount Card which would entitle them to the various discounts. Each card would be embossed with the customer’s name and an expiry date, which will be one (1) year after the date of approval of the mortgage.

To access the discount, a customer merely has to present his/her Discount Card along with one form of identification to the merchant.
 

Switch and Save a Fortune!

Got an existing mortgage elsewhere? Switch to First Citizens and save big …at little cost to you.

Yes, First Citizens has you covered!

  • Enjoy our lowest rate for a limited time
  • Save more money in the long term
     

Here’s What You’ll Need to Apply for a First Citizens Mortgage:

  • Two (2) forms of valid identification
  • Current job letter
  • Current pay slip or bank statement (if funds are at another financial intuition)
  • Proof of address e.g. Utility Bill
  • Purchase Agreement – (not required if Constructing)
  • Title Deed of Property to be purchased
  • Valuation Report from a valuator on the First Citizens Bank Limited Panel of Valuators


You can apply online by clicking the Apply button, call or come in to speak with any one of our friendly representatives.

 


 

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