Residential Mortgages
Mortgages and home loans in Bermuda
Home finance in Bermuda provides a structured way to borrow against property, whether you are buying your first home, refinancing, or making improvements.
This includes residential mortgages, first-time buyer support through HomeStart, and home improvement loans, all with defined terms and clear monthly repayments.
Applying for a mortgage or home loan
- Applications are assessed based on your financial position and the purpose of the loan
- Lending may be secured against your propert
- Terms and rates will vary depending on the type of borrowing
What you will need
- A completed and signed loan application form
- Authorisation for credit checks
- Your last three payslips
- Proof of rent or mortgage payments (if applicable)
- Additional documents depending on the type of loan
First-time buyer eligibility (HomeStart)
- Available to Bermudians without full or partial home ownership
- May include up to 100% financing for qualifying applicants
- Subject to eligibility through the Bermuda Housing Corporation
Buying or refinancing your home
Finance your home purchase, build or refinancing with a structured mortgage in Bermuda.
- Purchase, construct or refinance a residential property
- Competitive mortgage rates designed to keep payments manageable
- Structured monthly repayments over an agreed term
Flexible terms and tailored support
Mortgage options designed around your circumstances, with support throughout the process.
- A range of terms to suit different financial situations
- Work with experienced mortgage specialists to find the right structure
- Clear repayment plans with long-term affordability in mind
- Lending aligned to your income and borrowing needs
First-time buyer support (HomeStart)
Support for eligible Bermudians entering the property market, including those without a full deposit.
- Access up to 100% financing for qualifying applicants
- Designed for buyers without existing property ownership
- Delivered in partnership with the Bermuda Housing Corporation
- Structured to make home ownership more accessible
Using equity for investment or improvements
Use the equity in your home to fund renovations or purchase an additional property.
- Finance home improvements such as kitchens, bathrooms or upgrades
- Support projects typically under $100,000
- Borrow against your existing property
- Access longer terms and lower rates than unsecured borrowing
Frequently Asked Questions
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Frequently Asked Questions Here
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Frequently Asked Questions Here
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Frequently Asked Questions Here
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Frequently Asked Questions Here
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Frequently Asked Questions Here
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