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| Residential Home Loans

Flexible financing for every stage of home ownership

Whether you’re buying your first home, building from the ground up, refinancing from another bank, or upgrading to a higher-value property, Demerara Bank offers housing solutions designed to grow with you.

Already a Demerara Bank customer? You can apply right from our mobile app.


New to us? Just click the Apply button below and we’ll take it from there.

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   What’s New?   

5% p.a. now applies to Residential Loans up to G$40,000,000

We’ve raised the ceiling on our residential home loans, with loans of up to G$40 million now offered at 5% p.a. This adjustment provides customers with greater flexibility when building or purchasing homes, reflecting current property values and construction costs.

Interest Rates

Up to G$4,000,000

3.5% p.a.

G$4,000,001 to G$9,000,000

3.7% p.a.

G$9,000,001 to G$15,000,000

4.5% p.a.

G$15,000,001 to G$40,000,000

5% p.a.

Above G$40,000,000

8% p.a.

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Current Benefits

  • 50% off Attorney Fees
  • Waiver of Processing Fees
  • Waiver of Site Inspection Fees

Terms & Conditions Apply

Required Contribution

Low-Income Housing Units & Young Professional Housing Units – 10%
Construction of Property, Renovations & Home Improvements – 15%
Purchase of Property – 20%

Requirements

  • Valid Driver’s Licence (card) In the absence of a Driver’s Licence:
    1. National Identification Card or Valid Passport
    2. Proof of Address
    3. TIN Certificate
  • Job Letter or Payslip If self-employed: Business Registration and prior year financials
  • Estimate for Construction
  • Approved Building Plan (if applicable)
  • Certificate of Valuation / Copy of Title / Transport / Agreement of Sale / Letter of Intent / Contractor’s Agreement
  • Photo of Property (with lot number affixed)
  • Evidence of Contribution

Requirements

  • Valid Driver’s Licence (card) In the absence of a Driver’s Licence:
    1. National Identification Card or Valid Passport
    2. Proof of Address
    3. TIN Certificate
  • Job Letter or Payslip If self-employed: Business Registration and prior year financials
  • Estimate for Construction
  • Approved Building Plan (if applicable)
  • Certificate of Valuation / Copy of Title / Transport / Agreement of Sale / Letter of Intent / Contractor’s Agreement
  • Photo of Property (with lot number affixed)
  • Evidence of Contribution


Apply Now

    Personal Details

    *Title
    *First Name
    Middle Name
    *Last Name

    *Date of Birth
    *Marital Status
    *Dependents

    *Current Bank
    *Number of Years With Current Bank

    *Current Borrowings
    Value of Current Borrowings (GY$)

    Primary Identification Document
    *Document Type
    Document Number
    *Issue Date
    *Country of Issue

    *Expiry Date

    Contact Details

    Home Phone
    *Mobile Phone
    Work Phone
    *Email

    *Residency
    *Nationality
    *Country of Birth
    *Country of Residence

    *Lot/Apt & Street
    *Village/City/Town
    *County/State
    Zip/Postal Code
    *Country

    Income/Employment Records

    *Primary Income
    *Monthly Expenses (GY$)
    *Employment/Income Details

    Employment Details
    *TIN
    *Employer
    *Occupation
    Date of Employment
    *Monthly Income (GY$)
    Self Employed
    *Business Name
    Business Registration #
    *Date of Registration
    *Position
    *Monthly Income (GY$)


    Upload Required Documents (jpeg/jpg/pdf files)

    *Upload Primary Identification (as selected above)
    Upload TIN Certificate

    *Upload Recent Proof of Address
    *Upload Evidence of Income/Projections/Payslip/Job Letter

    Upload Estimate for Construction (if applicable)
    Upload Approved Building Plan (if applicable)

    Upload Certificate of Valuation (if applicable)
    Upload Photo of Property with Lot# Affixed (if applicable)

    Upload Document of Ownership Title/Transport/Agreement of Sale/Letter of Intent/Contractor’s Agreement (if applicable)


    Loan Details

    *Preferred Branch
    *Type of Home Loan
    *Loan Amount (GY$)
    *Down Payment (GY$)

    Do you have a co-applicant?

    Co-applicant’s Personal Details

    *Title
    *First Name
    Middle Name
    *Last Name

    *Date of Birth
    *Marital Status
    *Dependents

    *Current Bank
    *Number of Years With Current Bank

    *Current Borrowings
    Value of Current Borrowings (GY$)

    Co-applicant’s Primary Identification Document
    *Document Type
    Document Number
    *Issue Date
    *Country of Issue

    *Expiry Date

    Co-applicant’s Contact Details

    Home Phone
    *Mobile Phone
    Work Phone
    *Email

    *Residency
    *Nationality
    *Country of Birth
    *Country of Residence

    *Lot/Apt & Street
    *Village/City/Town
    *County/State
    Zip/Postal Code
    *Country

    Co-applicant’s Income/Employment Records

    *Primary Income
    *Monthly Expenses (GY$)
    *Employment/Income Details

    Employment Details
    *TIN
    *Employer
    *Occupation
    Date of Employment
    *Monthly Income (GY$)
    Self Employed
    *Business Name
    Business Registration #
    *Date of Registration
    *Position
    *Monthly Income (GY$)


    Upload Required Documents for Co-applicant (jpeg/jpg/pdf files)

    *Upload Primary Identification (as selected above)
    Upload TIN Certificate

    *Upload Recent Proof of Address
    *Upload Evidence of Income/Projections/Payslip/Job Letter


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