Residential Mortgages

You don’t just invest money in a new home – you invest your hopes and dreams. At Clarien, we help make it easy with the mortgage that’s right for you.

Getting to know you

Whether you’re buying for the first time, refinancing your existing home or building a brand-new one, your Clarien Personal Lender will take the time to learn all about your needs, goals and resources. With the big picture in mind, we’ll help you with a competitive rate and the flexibility to select the terms and options that work for you.

Considering the purchase of an income property or home-away-from-home?

A Clarien Bank Home Investment Loan allows you to finance the purchase of a second property using the equity in your primary home. Compared with a personal loan, you’ll get a better interest rate and a longer term – giving you the freedom to expand your horizons.

HomeStart – helping you own a piece of the rock so you can live more in the Island you call home

HomeStart is an initiative by Clarien Bank and the Bermuda Housing Corporation (BHC) to help more Bermudians own their home. It is designed to assist those who are able to make repayments but lack the funds for a 25% deposit. If you’re Bermudian and a BHC tenant or client, you may be eligible for a Clarien mortgage with up to 100% financing – with no down payment!

To apply, you must be Bermudian and with no full or partial ownership in a home. Trusts and other forms of ownership are not eligible.

You can find a list of currently available HomeStart properties can be found on the BHC website ( under the HomeStart tab.

For further details, contact