Take advantage of our low rates

Get a 2% or 5% loan from TTMF
Monthly Income of family must not exceed $30,000.
Borrower(s) must be a first-time homeowner.

Property Value
Property value must not exceed $1,500,000.
Land owners can still receive financing up to $1,500,000 for construction.

95% financing will be offered to those who qualify, as a means of reducing the amount of savings required for the down payment on the property.

TTMF Mortgage Financing - Large house

Repayment Term
Maximum Repayment Term of 30 years*.
Mortgage may be extended to age 70 with a gainfully employed younger family member being a co-borrower.

Graduated Payment
A graduated payment mortgage arrangement is included, the main features of which would allow for an increase of 0.5% annually from the inception of the loan to the attainment of the open market interest rate (currently 6%).

Loan amount can be inclusive of $20,000 approved for major appliances.

Let our experts
help you on your way.
Get Prequalified

Once you’ve decided to take the step toward owning a home, you must first determine your affordable price range.


Get Prequalified

Our Pre-Qualification Process analyses your financial data to help you determine what you can afford.

Get a Certificate
Your Pre-qualification certificate eliminates doubt on what you can afford.

Focus Your Search
Conduct a more focused search for property now that you know your price range.

Get Started

Frequently Asked Questions

  • Can I borrow money to extend or renovate my house?
  • Can I rent or sell the property?
  • Can I borrow additional money to furnish my new home?
  • How much downpayment do I need?
  • Do I need mortgage life insurance?
Can I borrow money to extend or renovate my house?

Yes, an applicant can borrow to extend/renovate his/her house provided the relevant approved plans from Town and Country Planning have been received by TTMF and once the applicant has been approved to borrow the requested amount based on his/her income and debt.

Can I rent or sell the property?

Under the 5% Mortgage Programme, beneficiaries must obtain written consent from the HDC to sell and/or sublet the property before the expiration of ten (10) years from the date of financing.

Can I borrow additional money to furnish my new home?

Up to $20,000.00 is included in the total loan amount of persons who qualify for the 5% interest rate. The appliances that can be purchased are refrigerator, stove, washer and dryer. The monies for these appliances will be paid directly to the store from which you are purchasing the appliances upon execution of your Mortgage Deed.

How much downpayment do I need?

You will be required to make at least a 5% deposit towards the purchase of your property.

Do I need mortgage life insurance?

While it is not mandatory for the loan, it is recommended.

With Mortgage Cover®, in the event of your untimely passing, the outstanding balance of your mortgage will be paid.

We’ve got you covered.

Advance Protector

Keep your family covered in the storm of your passing. In the event of your untimely passing you don’t have to leave your family with the additional grief of struggling to make mortgage payments.

Learn More