MORE THAN A MORTGAGE. A PARTNERSHIP THAT PAYS.
The more you bank with us, the more you save.
TERMS & CONDITIONS APPLY
MORE THAN A MORTGAGE. A PARTNERSHIP THAT PAYS.
The more you bank with us, the more you save.
TERMS & CONDITIONS APPLY
Why Choose A
GBTI Mortage?
Whether you’re purchasing your first home, building your dream home, switching your existing mortgage to GBTI, or refinancing an existing property, GBTI’s new mortgage structure is designed to reward customers who build a stronger financial relationship with us.
Enjoy competitive rates, personalized service, and the opportunity to unlock additional benefits through the GBTI Advantage.
LOW COST MORTGAGE
RESIDENTIAL
RENOVATION
SWITCHING
REFINANCING
MORTGAGE RATES
Scroll horizontally to view all rates
| MORTGAGE AMOUNT | STANDARD RATE | GBTI ADVANTAGE |
|---|---|---|
| Up to $4m | 3.5% | AS LOW AS 3% |
| $4m-9m | 3.7% | AS LOW AS 3.2% |
| $9m-$20m | 4.25% | AS LOW AS 3.75% |
| $20-$40m | 4.75% | AS LOW AS 4.25% |
| $40-$60m | 4.99% | AS LOW AS 4.49% |
| Above $60 | 5.25%-6.5% NEGOTIABLE | AS LOW AS 4.75% |
Buy Your CHPA Land Now
With Up to $2M from GBTI
Scroll horizontally to view all rates
| TOTAL COST | DOWNPAYMENT (15%) | INTEREST RATE | LOAN AMOUNT | 1 YEAR | 2 YEARS | 3 YEARS | 4 YEARS | 5 YEARS |
|---|---|---|---|---|---|---|---|---|
| $1,000,000.00 | 15% = $150,000 | 12% Secured by BOS 13% Unsecured |
$850,000 | $79,333.00 $80,042.00 |
$43,917.00 $44,625.00 |
$32,111.00 $32,819.00 |
$26,208.00 $26,917.00 |
$22,867.00 $23,575.00 |
| $1,500,000.00 | 15% = $225,000 | 12% Secured by BOS 13% Unsecured |
$1,275,000 | $119,000.00 $120,063.00 |
$64,875.00 $65,938.00 |
$48,170.00 $49,230.00 |
$39,313.00 $40,375.00 |
$34,000.00 $35,063.00 |
| $2,000,000.00 | 15% = $300,000 | 12% Secured by BOS 13% Unsecured |
$1,700,000 | $158,667.00 $160,083.00 |
$87,833.00 $89,250.00 |
$64,222.00 $65,639.00 |
$52,417.00 $53,833.00 |
$45,333.00 $46,750.00 |
THE GBTI ADVANTAGE
The GBTI Advantage rewards customers who deepen their banking relationship with us. By utilizing additional GBTI products and services, customers may qualify for reduced mortgage rates over time.The GBTI Advantage rewards customers who deepen their banking relationship with us. By utilizing additional GBTI products and services, customers may qualify for reduced mortgage rates over time.
BENEFITS INCLUDE:
Lower mortgage rates
Greater long-term savings
Convenient banking solutions
A stronger financial partnership
WHAT YOU MAY NEED
APPLICANTS MAY BE REQUIRED TO PROVIDE:
- Identification Card/Passport
- New Drivers Licence and/or TIN Certificate
- Proof of Address (utility bill, rental receipt, etc.)
- Employment confirmation letter and 2 recent consecutive months' pay slips
- Proof of income if self-employed (Business Registration, Recent Financial Statements for the past two years and cash flow projection for the next 12 months)
- Statement of outstanding loans/Hire Purchase (if applicable)
- Marriage Certificate (If applicable)
- Copy of Transport/Title/Lease Document or Letter of Intent/Agreement of Sale and Purchase if the property is being purchased
- Certificate of Valuation for the property being purchased from a Government Valuation Officer (Officers are located at the Government Valuation Office, Camp Street, G/Town)
- Copy of recent Rates and Taxes/Lease rental receipt and Water Rates receipt
- Estimates of construction cost accompanied by an approved plan
- 5-10% contribution (land purchase/development is considered part of equity contribution)
Additional documents may be required based on the application.
LOAN CALCULATOR
Want to estimate your monthly mortgage payments?
Use our Loan Calculator to explore financing options and determine a repayment plan that works for you.
APPLY TODAY!
Ready to take the next step toward home ownership?
Speak with a GBTI representative today and learn how our new mortgage rates can help make your dream home a reality.