Get YOUR NHT LOAN at select financial institutions.
The NHT’s External Financing Mortgage Programme (EFMP), offers contributors a wide range of financial institutions from which they can access their NHT loans.
If for any reason, you are experiencing challenges in processing your NHT loan, please contact your nearest NHT branch office. Where these loans are not offered by EFMP partners, they will be processed at an NHT branch office.
NHT interest rates will apply to the NHT portion of the loan accessed from external financial partners.
How Does It Work?
Get more options for accessing your NHT loan when buying on the open market.
The EFMP positions the NHT to channel resources into developing more affordable housing solutions for contributors in a significant way.
This represents the greatest need of the housing market at this time. The NHT’s commitment is unwavering as we have an even greater resolve to improve the housing delivery programme to meet the increasing demand by building more houses with emphasis on the affordable housing market.
How to access your NHT benefit:
- All NHT contributors earning more than $30,000.99 per week, must apply for the following NHT loans at one of the NHT's EFMP partner institutions.
- Contributors earning $30,000.99 per week or less, will continue to apply directly at NHT branch offices. However, if they require a loan that is more than the amount they are eligible to borrow from the NHT, or if they are co-applying with contributors in a higher income band, they must apply for both their NHT benefit and the additional amount, at one of the external financial partners.
- Contributors requiring special grants must apply directly to the NHT.
- Contributors applying for NHT scheme benefits will have their mortgages processed at the NHT.
Our Partners
Quick Links
EFMP Press Release
NHT Online
External Financing Mortgage Programme
Loans FAQs
If you don't see an answer to your question, you can send us an email.
This is an arrangement under which NHT contributors apply for their NHT loans at banks, credit unions and building societies, at the applicable NHT interest rates.
As at August 1, 2023, the partners are Scotiabank, National Commercial Bank and COK Sodality Co-opperative Credit Union. Other institutions will be included at a later date.
Loans to:
- Buy a house or lot being sold by a person or agency other than the NHT
- Build a house
- Improve or expand a home
