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  • Up to 15 years to repay and up to 10 years if borrowing in foreign currency


  • Up to $200,000 content insurance from JNGI, if contents insured value $1 million and over
  • 20% Discount on Motor Insurance from JNGI (per motor policy)
  • Free JAA Gold Membership for one year
  • Up to 20% discounts from more than 100% JN Rewards partners island-wide


  • You must be 18 years or older
  • Valid proof of identification: passport, driver’s licence along with virth certificate; or voter’s ID along with birth certificate.
  • Proof of income: Income verification letter or completed JN Bank income verification form along with last three month’s pay slips.
  • Proof of address: Utility bill or cable receipt; bank statement, credit card statement or post marked envelope bearing name and address.
  • Tax Registration Number.

Interest Rates

Purpose Interest Rate Market Value FInancing
Purchase or construct 9.75% No limit on value of property Up to 70%
Refinance 9.75% No limit on value of property Up to 70%
Foreign currency 6.5% for all foreign currencies Up to 60%