How long does it take to get my eligibility information?
Once you are a registered user of NHT Online, your eligibility status is immediately available to you at any time.
Will I have to pay the processing fees for the NHT benefit upfront?
Some financial partners do not require up-front processing fees. Check your selected financial partner in that regard.
If my loan application for my NHT benefit is denied by a financial partner, how can I access my NHT loan?
If your application is denied by more than two financial partners, the NHT will process your application in keeping with its loan underwriting criteria.
What NHT loans are available at financial partners (FPs)?
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
Who are the financial partners under the EFMP where contributors may access their NHT benefit?
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.
What is the External Financing Mortgage Programme?
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.
If I have a co-applicant, whose points will be used for selection?
Only the points of the primary applicant will be used for selection. So, ensure that the person with the highest points is the primary applicant.
