Our company does not do any financing, but we will be able to assist you in obtaining a Mortgage by one of the financial institutions throughout Trinidad & Tobago which are set up for this purpose.
In general, it is possible for Trinbagonians who do not live in Trinidad or Tobago, to obtain local mortgage financing.
Typical norms are between 75% and 90% of the value/purchase price can be financed.
If you are not residing in Trinidad or Tobago interest rates will be around 12% owner occupied (meaning: no other use) and around 14% plus for rental or income generating purposes.
If you do reside in T&T, the interest rates are anywhere between 8 and 12, and if you fall in the low income group, you might even qualify for a HDC (Housing Development Company formerly NHA) loan which has interest rates as low as from 3%.
Further, mortgage interest rates also depend on the financial institution where you secure the Mortgage, the type of arrangement between yourself and the Mortgagee and how many years the Mortgage is for.

Please note: To qualify for a Mortgage you must be a Trinidad & Tobago National, or have Dual Citizenship or Residency Status, as well as a permanent job and/or enough collateral to cover for the amount you require.

Trinbagonians or Residents who are planning to return permanently to Trinidad but have lost their T&T Citizenship or Residency Status, you can re-apply, however be prepared that this is a lengthy process and will take at least 6 months to 1 year, so if you are planning to return immediately after you purchased a property, or in case you have to get a Mortgage, make sure you have your Citizenship or Residency status in order before making a deposit on a property.
Please, also read our "Buying & General info" page for details.

Should you have any other questions, or would like to obtain some specific quotes, please do not hesitate to contact us, click on the "CHERYL JOHNSON" button below, or by filling out the blue form at the end of this page.

Personally I have the greatest confidence in the professional services of CHERYL JOHNSON and I am sure that if you are shopping around for a Mortgage, she will be able to assist you in finding the best package that suits your personal needs.

Sincerely Yours,

R. Drappier
Manager/Broker of Siparia Real Estate Agency.

MORTGAGE CALCULATORS   Replace the values in the "Input" windows below with your personal values, then click "calculate now" and the results can be seen in the "Results" windows.

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Questions about Properties, thinking about selling or making an offer? Do not hesitate, contact us. R. Drappier c/o Siparia Real Estate Agency #8 Country Trace Junction, Fanny Village, Point Fortin, Trinidad, West-Indies. Office: (1 868) 648 4929 Cell: (1 868) 750 7127 Fax: (1 868) 648 2330.

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