Best Mortgage Rates in Jamaica for 2026

At ScoopRate, we know finding the right mortgage is a critical step to owning a home. Our platform simplifies the process by offering the latest mortgage rates, including options through NHT’s External Financing Mortgage Programme (EFMP). Start your journey with the most flexible and competitive options available.
Rates Last Updated: April 23, 2026
Adverstising Disclosure
Counter
Mortgage type
Property value
$
Property value must be at least $1M.
Down paymnent
$
%
Deposit must be less than property value.
Deposit must be at least $100K.
Loan term (years)
NHT Interest Rate
NHT Loan
$
NHT loan cannot exceed property value.
Max NHT loan: $23M.
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Sagicor Bank Residential Mortgage

NHT Financing Available
View Details
    Features
  • Competitive Interest Rate.
  • Generous Line of Credit.
  • Exclusive Home Insurance Offer.
Total Loan Amount
x
Interest Rate(s)
Bank
x
NHT
x
Mortgage Term
x
Est. Payment
x
xx
Request Callback
General Info
Max. Percent Financed:
100%
Max. Loan Amount:
J$20,000,000.00
Max. Repayment Period:
40 years
Your Mortgage Payment Summary
J$133,018.41
Monthly Payment
Principal Payment:
J$18,000,000
Total Interest Payment:
J$21,905,523.60
Lifetime Payment:
J$39,905,523.60
Bank Loan Breakdown
Bank Interest rate:
8.50%
Bank Loan Amount:
x
Total Interest Payment:
x
Total Bank Payment:
x
Est. Monthly payment:
x
NHT Loan Breakdown
NHT Interest rate:
x
NHT Loan Amount:
x
Total Interest Payment:
x
Total NHT Payment:
x
Est. Monthly payment:
x
Your Total Monthly Mortgage Payment
 <script src="https://cdn.jsdelivr.net/npm/apexcharts"></script> 
   
<div id="amortizationChart" style="max-width: 600px; margin: auto;"></div>




// Loan details
        let P = 18000000; // Loan amount
        let annualRate = 7.5 / 100; // 7.5% annual interest
        let monthlyRate = annualRate / 12; // Monthly interest rate
        let years = 25;
        let n = years * 12; // Total months

        // Monthly Payment Calculation
        let M = P * (monthlyRate * Math.pow(1 + monthlyRate, n)) / (Math.pow(1 + monthlyRate, n) - 1);

        let balance = P;
        let principalPayments = [];
        let interestPayments = [];
        let labels = [];

        // Generate amortization schedule
        for (let month = 1; month <= n; month++) {
            let interestPayment = balance * monthlyRate;
            let principalPayment = M - interestPayment;
            balance -= principalPayment;

            principalPayments.push(principalPayment);
            interestPayments.push(interestPayment);
            labels.push(`Month ${month}`);
        }

        // ApexCharts configuration
        var options = {
            series: [
                { name: "Principal", data: principalPayments },
                { name: "Interest", data: interestPayments }
            ],
            chart: {
                type: 'bar',
                height: 400,
                stacked: true
            },
            colors: ["#4CAF50", "#FF9800"],
            xaxis: {
                categories: labels,
                tickAmount: 10, // Show fewer labels for readability
                labels: { rotate: -45 }
            },
            legend: { position: 'top' },
            tooltip: {
                y: {
                    formatter: (value) => "J$" + Math.round(value).toLocaleString()
                }
            }
        };

        var chart = new ApexCharts(document.querySelector("#amortizationChart"), options);
        chart.render();

CIBC Residential Mortgage

NHT Financing Available
View Details
    Features
  • Competitive Rates: Secure attractive mortgage interest rates.
  • Up to 95% Financing: With mortgage indemnity insurance for added convenience.
  • Flexible Terms: Repay in up to 35 years with low processing fees.
Total Loan Amount
x
Interest Rate(s)
Bank
x
NHT
x
Mortgage Term
x
Est. Payment
x
xx
Request Callback
General Info
Max. Percent Financed:
95%
Max. Loan Amount:
J$0.00
Max. Repayment Period:
35 years
Your Mortgage Payment Summary
J$133,018.41
Monthly Payment
Principal Payment:
J$18,000,000
Total Interest Payment:
J$21,905,523.60
Lifetime Payment:
J$39,905,523.60
Bank Loan Breakdown
Bank Interest rate:
8.50%
Bank Loan Amount:
x
Total Interest Payment:
x
Total Bank Payment:
x
Est. Monthly payment:
x
NHT Loan Breakdown
NHT Interest rate:
x
NHT Loan Amount:
x
Total Interest Payment:
x
Total NHT Payment:
x
Est. Monthly payment:
x
Your Total Monthly Mortgage Payment
 <script src="https://cdn.jsdelivr.net/npm/apexcharts"></script> 
   
<div id="amortizationChart" style="max-width: 600px; margin: auto;"></div>




// Loan details
        let P = 18000000; // Loan amount
        let annualRate = 7.5 / 100; // 7.5% annual interest
        let monthlyRate = annualRate / 12; // Monthly interest rate
        let years = 25;
        let n = years * 12; // Total months

        // Monthly Payment Calculation
        let M = P * (monthlyRate * Math.pow(1 + monthlyRate, n)) / (Math.pow(1 + monthlyRate, n) - 1);

        let balance = P;
        let principalPayments = [];
        let interestPayments = [];
        let labels = [];

        // Generate amortization schedule
        for (let month = 1; month <= n; month++) {
            let interestPayment = balance * monthlyRate;
            let principalPayment = M - interestPayment;
            balance -= principalPayment;

            principalPayments.push(principalPayment);
            interestPayments.push(interestPayment);
            labels.push(`Month ${month}`);
        }

        // ApexCharts configuration
        var options = {
            series: [
                { name: "Principal", data: principalPayments },
                { name: "Interest", data: interestPayments }
            ],
            chart: {
                type: 'bar',
                height: 400,
                stacked: true
            },
            colors: ["#4CAF50", "#FF9800"],
            xaxis: {
                categories: labels,
                tickAmount: 10, // Show fewer labels for readability
                labels: { rotate: -45 }
            },
            legend: { position: 'top' },
            tooltip: {
                y: {
                    formatter: (value) => "J$" + Math.round(value).toLocaleString()
                }
            }
        };

        var chart = new ApexCharts(document.querySelector("#amortizationChart"), options);
        chart.render();

Scotiabank Residential Mortgage

NHT Financing Available
View Details
    Features
  • Flexible Repayment Terms: Tailor payments up to 30 years
  • Competitive Interest Rates: Affordable monthly payments.
  • Pre-approval Option: Know your budget before you buy.
Total Loan Amount
x
Interest Rate(s)
Bank
x
NHT
x
Mortgage Term
x
Est. Payment
x
xx
Request Callback
General Info
Max. Percent Financed:
100%
Max. Loan Amount:
J$0.00
Max. Repayment Period:
30 years
Your Mortgage Payment Summary
J$133,018.41
Monthly Payment
Principal Payment:
J$18,000,000
Total Interest Payment:
J$21,905,523.60
Lifetime Payment:
J$39,905,523.60
Bank Loan Breakdown
Bank Interest rate:
8.50%
Bank Loan Amount:
x
Total Interest Payment:
x
Total Bank Payment:
x
Est. Monthly payment:
x
NHT Loan Breakdown
NHT Interest rate:
x
NHT Loan Amount:
x
Total Interest Payment:
x
Total NHT Payment:
x
Est. Monthly payment:
x
Your Total Monthly Mortgage Payment
 <script src="https://cdn.jsdelivr.net/npm/apexcharts"></script> 
   
<div id="amortizationChart" style="max-width: 600px; margin: auto;"></div>




// Loan details
        let P = 18000000; // Loan amount
        let annualRate = 7.5 / 100; // 7.5% annual interest
        let monthlyRate = annualRate / 12; // Monthly interest rate
        let years = 25;
        let n = years * 12; // Total months

        // Monthly Payment Calculation
        let M = P * (monthlyRate * Math.pow(1 + monthlyRate, n)) / (Math.pow(1 + monthlyRate, n) - 1);

        let balance = P;
        let principalPayments = [];
        let interestPayments = [];
        let labels = [];

        // Generate amortization schedule
        for (let month = 1; month <= n; month++) {
            let interestPayment = balance * monthlyRate;
            let principalPayment = M - interestPayment;
            balance -= principalPayment;

            principalPayments.push(principalPayment);
            interestPayments.push(interestPayment);
            labels.push(`Month ${month}`);
        }

        // ApexCharts configuration
        var options = {
            series: [
                { name: "Principal", data: principalPayments },
                { name: "Interest", data: interestPayments }
            ],
            chart: {
                type: 'bar',
                height: 400,
                stacked: true
            },
            colors: ["#4CAF50", "#FF9800"],
            xaxis: {
                categories: labels,
                tickAmount: 10, // Show fewer labels for readability
                labels: { rotate: -45 }
            },
            legend: { position: 'top' },
            tooltip: {
                y: {
                    formatter: (value) => "J$" + Math.round(value).toLocaleString()
                }
            }
        };

        var chart = new ApexCharts(document.querySelector("#amortizationChart"), options);
        chart.render();

FGB Residential Home Mortgage

NHT Financing Available
View Details
    Features
  • Generous Borrowing Limits.
  • Flexible Repayment Terms.
  • Comprehensive Insurance Options.
Total Loan Amount
x
Interest Rate(s)
Bank
x
NHT
x
Mortgage Term
x
Est. Payment
x
xx
Request Callback
General Info
Max. Percent Financed:
97%
Max. Loan Amount:
J$25,000,000.00
Max. Repayment Period:
30 years
Your Mortgage Payment Summary
J$133,018.41
Monthly Payment
Principal Payment:
J$18,000,000
Total Interest Payment:
J$21,905,523.60
Lifetime Payment:
J$39,905,523.60
Bank Loan Breakdown
Bank Interest rate:
9.00%
Bank Loan Amount:
x
Total Interest Payment:
x
Total Bank Payment:
x
Est. Monthly payment:
x
NHT Loan Breakdown
NHT Interest rate:
x
NHT Loan Amount:
x
Total Interest Payment:
x
Total NHT Payment:
x
Est. Monthly payment:
x
Your Total Monthly Mortgage Payment
 <script src="https://cdn.jsdelivr.net/npm/apexcharts"></script> 
   
<div id="amortizationChart" style="max-width: 600px; margin: auto;"></div>




// Loan details
        let P = 18000000; // Loan amount
        let annualRate = 7.5 / 100; // 7.5% annual interest
        let monthlyRate = annualRate / 12; // Monthly interest rate
        let years = 25;
        let n = years * 12; // Total months

        // Monthly Payment Calculation
        let M = P * (monthlyRate * Math.pow(1 + monthlyRate, n)) / (Math.pow(1 + monthlyRate, n) - 1);

        let balance = P;
        let principalPayments = [];
        let interestPayments = [];
        let labels = [];

        // Generate amortization schedule
        for (let month = 1; month <= n; month++) {
            let interestPayment = balance * monthlyRate;
            let principalPayment = M - interestPayment;
            balance -= principalPayment;

            principalPayments.push(principalPayment);
            interestPayments.push(interestPayment);
            labels.push(`Month ${month}`);
        }

        // ApexCharts configuration
        var options = {
            series: [
                { name: "Principal", data: principalPayments },
                { name: "Interest", data: interestPayments }
            ],
            chart: {
                type: 'bar',
                height: 400,
                stacked: true
            },
            colors: ["#4CAF50", "#FF9800"],
            xaxis: {
                categories: labels,
                tickAmount: 10, // Show fewer labels for readability
                labels: { rotate: -45 }
            },
            legend: { position: 'top' },
            tooltip: {
                y: {
                    formatter: (value) => "J$" + Math.round(value).toLocaleString()
                }
            }
        };

        var chart = new ApexCharts(document.querySelector("#amortizationChart"), options);
        chart.render();
Special Offer!

JN Bank Residential Mortgage

JN Bank
NHT Financing Available
View Details
Special Offer:
  • Enjoy J$5,000 credit for mutual funds, 25% off car insurance and J$5,000 off critical illness coverage.
    Features
  • Enjoy up to 40 years to repay your mortgage.
  • NHT Joint Financing Available.
  • Competitive processing fees.
Total Loan Amount
x
Interest Rate(s)
Bank
x
NHT
x
Mortgage Term
x
Est. Payment
x
xx
Request Callback
General Info
Max. Percent Financed:
90%
Max. Loan Amount:
J$0.00
Max. Repayment Period:
40 years
Your Mortgage Payment Summary
J$133,018.41
Monthly Payment
Principal Payment:
J$18,000,000
Total Interest Payment:
J$21,905,523.60
Lifetime Payment:
J$39,905,523.60
Bank Loan Breakdown
Bank Interest rate:
9.85%
Bank Loan Amount:
x
Total Interest Payment:
x
Total Bank Payment:
x
Est. Monthly payment:
x
NHT Loan Breakdown
NHT Interest rate:
x
NHT Loan Amount:
x
Total Interest Payment:
x
Total NHT Payment:
x
Est. Monthly payment:
x
Your Total Monthly Mortgage Payment
 <script src="https://cdn.jsdelivr.net/npm/apexcharts"></script> 
   
<div id="amortizationChart" style="max-width: 600px; margin: auto;"></div>




// Loan details
        let P = 18000000; // Loan amount
        let annualRate = 7.5 / 100; // 7.5% annual interest
        let monthlyRate = annualRate / 12; // Monthly interest rate
        let years = 25;
        let n = years * 12; // Total months

        // Monthly Payment Calculation
        let M = P * (monthlyRate * Math.pow(1 + monthlyRate, n)) / (Math.pow(1 + monthlyRate, n) - 1);

        let balance = P;
        let principalPayments = [];
        let interestPayments = [];
        let labels = [];

        // Generate amortization schedule
        for (let month = 1; month <= n; month++) {
            let interestPayment = balance * monthlyRate;
            let principalPayment = M - interestPayment;
            balance -= principalPayment;

            principalPayments.push(principalPayment);
            interestPayments.push(interestPayment);
            labels.push(`Month ${month}`);
        }

        // ApexCharts configuration
        var options = {
            series: [
                { name: "Principal", data: principalPayments },
                { name: "Interest", data: interestPayments }
            ],
            chart: {
                type: 'bar',
                height: 400,
                stacked: true
            },
            colors: ["#4CAF50", "#FF9800"],
            xaxis: {
                categories: labels,
                tickAmount: 10, // Show fewer labels for readability
                labels: { rotate: -45 }
            },
            legend: { position: 'top' },
            tooltip: {
                y: {
                    formatter: (value) => "J$" + Math.round(value).toLocaleString()
                }
            }
        };

        var chart = new ApexCharts(document.querySelector("#amortizationChart"), options);
        chart.render();
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Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

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Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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