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).

Documents Required for Approval

We will need the following information/documentation from you:

• Fully completed Mortgage Application Form
• Salaried applicants: Income verification letter and last two (2) pay advices
• Self-employed: Financial Statements (audited or in-house) and bank statements
• Proof of funds to complete the transaction
• Proof of age (valid passport/birth certificate)
• Tax Registration Number (TRN)
• Copy of Signed Sales Agreement
• Contractors' Estimate (home construction/improvement)
• NHT referral letter (where applicable)

Documents Required Upon Acceptance of Offer

• Valuation report, not more than twelve (12) months old from the Bank's panel of valuators
• Original Surveyor's Identification Report not more than twelve (12) months old indicating that there are no encroachments and that no covenants have been breached
• Adequate Life Insurance coverage
• Photocopy of Certificate of Title
• NHT commitment letter (where applicable)
• Current Property Tax certificate
• Approved building plan (where applicable)
• Quantity Surveyor's Report (where applicable)
• Peril Insurance for full replacement cost of the building
• Evidence of strata coverage (where applicable)
• Opening of Scotia Achiever and Scotia Optimum accounts