Are you thinking of home ownership but unsure what your next step should be? SJCCU has a mortgage solution that is right for you. We finance house only purchase, house and land, as well as, home building projects.

Service benefits

Terms subject to change at any time

  • Borrow up to EC$600,000.00
  • 10% Deposit
  • Competitive processing fees
  • Up to 30 years to repay
  • Extra repayments to pay-off your loan quicker are allowed (conditions apply)
  • A Mortgage Savings Club (MORSA) to help you save toward your Cash Deposit


  • Life Insurance Policy to the value of the loan
  • Repayment includes Compulsory Savings, Property Tax Savings and Insurance Savings
  • 1st year’s Home Insurance Coverage

Additional Documents

  • A signed detailed Estimate of material cost (from a hardware store) and construction cost, which should be outlined according to each Stage of the project, and include labour, transportation, retention and any other miscellaneous costs.
  • At least three letters of references from the Contractor/Builder regarding their workmanship.
  • A signed contract from the Contractor/Builder inclusive of a work schedule outlined according to stages, if separate to the Estimate.
  • For the purchase of a house/property, a member is required to present a letter of sale from the owner, stating all the necessary information pertaining to the sale of the house/property and property valuation report.

Download and complete our loan application form Apply For Loan