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Go back to the Mortgages - Refinance.

Refinance your mortgage with a JN Home Loan and get better benefits

Affordable financing to assist you with refinancing existing mortgages on your home or property


  • Up to 40 years to repay if your loan is in Jamaican dollars and 15 years to repay if you borrow in foreign currency
  • Joint financing with NHT available


  • Up to $200,000 free contents 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% in discounts from more 100 JN Rewards partners island-wide

Interest Rates (per annum) and Financing information (click to enlarge) +
Purchase Interest Rate (per-annum) Market Value of Property Financing 1
Refinance 8.5% No limit on property value Up to 85% 2
Interest rates (eair) 8.839091% - 11.02035% 3


    • You must be 18 years or older
    • Valid proof of identification: passport, driver’s licence along with birth certificate; or voter’s ID along with birth certificate
    • Proof of income:
      • Employed- income verification letter or completed JNBS 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


    * Notice of any rate change(s) will be provided in writing, by physical or electronic means, to our customers, 45 calendar days in advance of any such change(s) being implemented

Our promise to you

We will help you find a way to achieve your dream of owning a home