Residential Mortgages

We have been giving innovative mortgages for over 30 years and we can make your dream of home ownership a reality.

The tradition of giving the best value for your mortgage investment continues, at the Republic Bank Limited.

We facilitate loans for:
  • Construction
  • Purchase
  • Bridging

If it is 100% financing you desire, we have that!

In owning your own home we know financial flexibility is a necessity as your mortgage is only a part of your financial goals. With a total debt service ratio (TDSR) of up to 40% of your gross monthly income and up to 30 years or retirement age to repay your mortgage, obtaining your mortgage is simple.

The maximum repayment period is now 15 years.

What you will need

Before visiting our branches, ensure you have the following documents:

New to Republic Bank and accompanied by an adult

Letter from employer confirming the applicant's salary, date of employment, status of employment and retirement age
Most recent payslips to cover one month. (E.g persons paid weekly-four payslips - most recent payslip)
Applicant's National Identification Card
Letter from respective lending institutions confirming the status of all existing loans.
Audited financial statements/Income Tax returns for the preceding three(3) years. (self employed applicants)
A valuation report on the property to be prepared by one of the Bank's approved valuers.

In the case of:

Construction

Purchasing House and Land (Property)

Approved house plans by Town & Country Planning department
Estimate of the cost of construction prepared and signed by your builder

A copy of the Purchase Agreement/Letter from the vendor confirming the purchase price


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