Mortgage Resource Centre

Make a house your home with financial solutions from CIBC Caribbean

We are ready to help you

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What would you like to do?

Buy a home

Let us guide you into your home with helpful articles and tools.

Build your dream home

Get advice about constructing your home.

Use your home equity

Unlock the hidden value in your home to gain financial flexibility

Switch your mortgage

We make switching your mortgage easy with expert advice.

Try our Loan calculator to find out how much you can afford

*Our Loan Calculator provides an estimate of a monthly loan payment based on the variables inserted. Your official loan contract with CIBC Caribbean will contain your formal monthly loan payment, total interest paidand total loan payment.

Useful tips to help you get started

- Types of closing costs
  - Legal
  
  - Valuation reports
  
  - Injection
  
  - Regulatory fees
  
  - Stamp duty
  
  - Loan fees
- Purchasing a home
  - Sales agreement
  
  - Bank instructed valuation report
  
  - Source of deposit & closing costs
  
  - Proof of income
  
  - KYC
- Using your home equity
  - Bank instructed valuation report
  
  - Legal fees if upstamp required
  
  - Evidence supporting additional funds requested
  
  - Proof of income
  
  - KYC
- Constructing your home
  - Approved building plans
  
  - Fixed Price Contract (FPC)
  
  - Bank instructed QS report
  
  - Written builder's reference (2)
  
  - Proof of income
  
  - KYC
- How much mortgage can I afford?
  - Calculating annual household income
  
  - Estimate housing costs
  
  - Determine total debt
  
  - Include taxes & insurance
  
  - Understand debt service ratios
  
  - Calculate your down payment

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