First Time Buyers!

Purchasing a home is big step and can be intimidating and confusing for many. At Victoria Mutual we have developed an easy to use system that allows you to move as fast as you provide the information required to process your mortgage application. 

 We also have a team of experts who will guide you through the process. Our options are customised, bearing your unique needs and situation in mind. We’re committed to doing all we can to help First Time Buyers get a place you can call home. 

Regardless of the size or location, home ownership stands as a symbol of personal accomplishment and independence. Take advantage of the benefits available at VMBS. Whether you are already a part of the VM Family or you are in the market for a mortgage loan, we have a mortgage plan to meet your needs. Our mortgages are disbursed in local and foreign currencies.


  • Rate as low as 8.25% per annum on Jamaican Dollar Mortgages
  • Up to 97% Financing*
  • 4.25% - .5% per annum on Foreign Currency Mortgages (USD/CAD/POUNDS) 
  • 50% Discounts on property valuations through VM Property Services 
  • 10% Discount on First Year Insurance Premium 
  • Loan terms up to 35 years*
  • Available to local and overseas residents; 
  • Fast turn-around on approvals 
  • VMBS/NHT Joint Financing facilitation – one application for your convenience