The products referred to below are offered only by Scotia Jamaica Building Society (a wholly owned subsidiary of The Bank of Nova Scotia Jamaica Limited).

The following information is provided to give you an indication of the qualifying criteria for mortgages and is by no means exhaustive.

Basic Personal and Support Documentation Requirements

• Age 18 to 60 years.
• Proven creditworthiness
• Total Debt Service Ratio (TDSR): self-employed up to 30%; salaried up to 40% (monthly debt payments not to exceed 40% of gross salary)
• Completed Mortgage Application Form
• Income verification:
  • Salaried:letter from the employer and last two pay slips
  • Self-employed: financial statements, bank statements, cash flow statements
• Signed Agreement of Sale, where appropriate, or Construction Estimate, if the purpose of the mortgage is construction or home improvement
• Proof of funds to complete the transaction
• Proof of age (valid passport or birth certificate)
• National Housing Trust (NHT) referral letter, if joint financing is requested