General | National Housing Trust

What am I required to take to my interview?

Once you are selected, you will be contacted by the NHT by mail  and advised of the required documents you will need to submit, including: NIS and TRN cards If employed to a company:  Verification of Gross Income and Contributions letter from past and present employers Proof of Age and  Identification. 

How will I know if my application is successful?

Watch our website and the print media to see if your name was published.

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.

How do I apply for an NHT benefit from a financial partner (FP)?

Decide on the financial partner through which you wish to apply for your NHT benefit.

Go to NHT Online, either via the website or mobile app to request your eligibility status.
Send the eligibility information directly from the website or app, to the financial partner (FP) of your choice.
Proceed to apply for your NHT benefit at the selected partner.

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.