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Use our checklist to ensure you are ready to apply for your forever home

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All applicants will need:

Valid identification (Passport, or National ID card)
Two (2) character references for credit purposes
Recent utility bill (less than 3 months old), valid driver's license, recent statement from a financial institution
Last three (3) months' statement history from your financial institution (i.e. savings, chequing, credit cards, loan and hire purchase accounts
Proof of the required down payment, legal and closing cost (i.e. evidence of the source of funds will also be required)
Credit bureau report (where applicable this will be requested by CIBC Caribbean)
Invoices, bills, statements etc. to confirm your loan request and amount

Jamaica only: TRN, proof of age (copy of birth certificate)

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You may also need:

If you are a PAYE employee:

Employment letter stating your job title, length of service, income and terms of payment (e.g. monthly/weekly)
Where income is variable (i.e. due to commission, gratuity, etc.), a separation of base income and variable income is required
Most recent pay slip (no older than 30 days) detailing all deductions
If paid weekly, one (1) full month of pay slips to be provided (no older than 30 days) detailing all deductions
For fluctuating income, a minimum job tenure of 2-years required

If you're self-employed:

Last two years' financial statements to include:
- Profit & loss statements
- Balance sheet
- Cash flow
- Notes to financials
- Personal tax assessments for the last two years
- Bank statements for the past twelve (12) months on the operating account for the period matching the financial period
- Interim/Management accounts may be warranted depending on the year end date of the financial statements. e.g. If the year end date is 31 October and loan presented in June of the following calendar year, interim financials should be obtained

National Housing Trust Requirements (Jamaica only)

Completed NHT application form
NHT eligibility letter
NIS card

Property Purchase

Purchase price (exclusive of furniture) supported by a sale agreement indicating sale amount, block & parcel number, location and brief description of the property (it is advisable to sign this agreement after financing has been secured)
Valuation/Appraisal report on property being purchased or pledged (this will be requested by CIBC Caribbean at a cost to the client)

Construction/Self-built properties

Detailed builder's estimate and contract showing a breakdown of materials & labour cost
Fixed price construction contract or signed agreement showing detailed costs broken down into stages of construction and realistic start and completion dates
Copy of approved plans from regulators (e.g. Town and Country Planning)
Copy of approved plans from Ministry of Health (Barbados only)
Contractor's all risk insurance
Floor plans and elevations suitably scaled to allow for adequate review
Quantity surveyors (QS) report (this will be requested by CIBC Caribbean at a cost to the client)

Home Equity Finance

Recent valuation report on property (this will be requested by CIBC Caribbean at a cost to the client)

Switching your mortgage to CIBC Caribbean

Recent valuation report on property (this will be requested by CIBC Caribbean at a cost to the client)

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