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Achieve Your Own Sweet Home with a JN Bank

Our Step-up Mortgage is a value-added mortgage option designed specifically for middle income and young professional home buyers, who want to benefit from a relatively low introductory rate that gradually increases as your income grows.


  • Benefit from a 5% introductory interest rate
  • Borrow up to $35 million
  • Low monthly payments that gradually increase as your income grows
  • Get up to 40 years to repay!
  • NHT Joint Financing available
  • Access a pre-approved JN Visa credit card, JN Unsecured Loan or Line of Credit
  • Applicable for loans to purchase or construct


  • Discounts from over 200 merchants with your JN Card
  • Up to 100% per cent financing
  • Access to online banking using JN Bank LIVE
  • Free transactions at JN Bank ATMs
  • Low processing fees
  • Access financing in as little as 30 days
  • Life and home insurance under one umbrella


  • You must be a Jamaican 18 years or older
  • Valid identification: driver’s licence, passport, voter registration card
  • Proof of address: utility bill, credit card statement or bank statement
  • Tax Registration Number or driver’s licence (Jamaican), Social Security Number (US resident), Social Insurance Number (Canadian Resident), National Insurance Number (NIN)
  • Proof of income: income verification letter or completed JN Bank income verification form, last two months pay slips
  • Completed statement of affairs

*Conditions Apply

Terms and conditions

All other terms and conditions of the Adjustable-Rate mortgage will be applicable and remain unchanged.

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We want to Serve you Even Better!

We’re happy to assist with a loan or mortgage to finance your goal.

JN Bank is committed to providing you with much more than financing. We’re here to serve you.

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