Switch Mortgage

Mortgages 1st Home


Interest Rate as low as 4.5%

Quick Approval with full documentation

100% Financing with adequate equity

Zero negotiation fees

Payment of Legal & Valuation Fees ($10,000.00 max)


Free Online/Mobile Banking

International VISA-branded Debit Card

Automatic 1st Credit Card with an automatic limit of EC$5,000.00 on loans up to EC$300,000.00 and a limit of $10,000.00 on loans above $300,000.00


Land Register

Survey Map

Valuation of Property (by approved valuator)

Loans statements

Government issued ID (valid Driver's license, National ID, Passport)

Proof of address

Job letter (current)

Salary slip (3 month recent)

Sinking fund ($100-$200 monthly)

1st National Bank will pay legal and valuation fees on behalf of the customer, up to a maximum EC$10,000.00 on loans.  In addition, the penalty amount, not exceeding 6 months of interest charged by the competitor, can be added to the loan amount/request. The term of the loan is based on the age of the customer, in line with retirement up to age 65. Penalties for early closure is 6 months of interest plus legal fees which the Bank paid on behalf of the customer when the mortgage was switched. 

Note:- This applies if the customer pays off the mortgage loan before 3 years. 

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