Mortgages
Turn your homeownership dream in Trelawny into reality — to buy, build, or refinance, with terms that fit island life.
Built for real Trelawny life
A home is the foundation of family wealth. Our mortgage helps you buy an existing house, build on family land, or refinance a higher-rate loan from another institution — all with the personal guidance of people who live in Trelawny too.
Because we are member-owned, more of your repayment stays in the parish. No call-centre runaround: you sit across from a loan officer who knows Falmouth, Wakefield, and Albert Town.
Key features
- Buy, build or refinance. One mortgage product covers purchase of an existing home, construction on your own land, or refinancing.
- Competitive fixed pricing. Ask us for the current rate — fixed against your savings history and profile.
- Up to 90% financing. Keep more cash in your pocket with a lower deposit requirement for qualifying members.
- Long, flexible terms. Spread repayments up to 30 years to keep monthly payments comfortable.
Who it’s for
- First-time buyers in Falmouth & Albert Town
- Building on inherited or family land
- Refinancing a costlier bank mortgage
Do you qualify?
- Member of TCCU in good standing (or join when you apply)
- Stable, verifiable income
- Satisfactory credit and repayment history
- Property valuation and title in order
What to bring
- Valid government-issued ID and TRN
- Proof of income (job letter & payslips, or financials)
- Agreement for sale or valuation report
- Copy of title / pre-construction approvals
- Proof of address
Your road to the keys
Talk to us
Sit with a loan officer and pre-qualify in a single visit.
Submit & value
We assess your documents and arrange the property valuation.
Approve & sign
Receive your offer, sign, and complete the legal steps.
Move in
Disbursement to your attorney — welcome home.
“TCCU made buying our first home in Falmouth feel possible. They explained every step in plain language.”
Ready to apply for your mortgages?
Start online or visit a branch. A friendly loan officer will guide you from estimate to approval.