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The Trinidad and Tobago Mortgage Finance Company Ltd. (TTMF), is an organisation whose key objective and single-minded purpose is to provide its customers with the peace of mind that home ownership brings.

We are the lender of first choice for residential mortgages in Trinidad and Tobago. We are passionate and proud about what we do with a reputation for exceptional, friendly and professional service. We focus on fulfilling our potential with the most skilled and knowledgeable team in the industry.

In partnering we make home ownership an easy and rewarding experience.

  • Being passionate and proud of what we do
  • Having a reputation for exceptional, friendly and professional service.
  • Focusing on fulfilling our potential with the most skilled and knowledgeable team in the industry
  • Our partnerships make home ownership an easy and rewarding experience.
  • Results Oriented
  • Customer Focused
  • Integrity
  • Teamwork
  • Empowerment

As the administrator of the Government’s Affordable Housing Programme, TTMF offers the subsidized 2% and 5% Mortgage programmes.

Features of the 2% facility
  • Borrower(s) must be a first time homeowner
  • Monthly income of borrower(s) must not exceed $14,000.00Property value must not exceed $1,000,000.00Up to 100% financing, for the Purchase Price for house and land or land with immediate construction of a house, will be offered to those who qualify, as a means of reducing the amount of savings required for the down payment on the property.
  • Landowners can still receive financing up to $1,000,000.00 for constructionMaximum repayment term of 30 years*
  • Mortgage may be extended to age 70 with a gainfully employed younger family member being the co-borrower
  • A graduated payment mortgage arrangement is included, the main features of which would allow for an increase of 0.5% annually from the inception of the loan to the attainment of the next level of the subsidized mortgage rate of 5% in seven (7) years.
  • Inclusive of $20,000.00 approved for major appliances
  • The legal provision in the mortgage documents requires that beneficiaries of Government-financed properties cannot sell or sublet the subsidized property before the expiration of ten (10) years from the date of financing.
  • Mortgage Cover® is encouraged

*Normal Lending criteria apply.

Features of the 5% facility
Persons whose income ranges between $14,001 and $30,000 per month, can access 5% mortgage financing for properties valued up to $1.5 Million.
  • Borrower(s) must be a first time homeowner
  • The household income must reflect the incomes of the heads of the household, and must range between $14,001 and $30,000 per month
  • Property value must not exceed $1.5 Million
  • Up to 95% financing, for the Purchase Price for house and land or land with immediate construction of a house, will be offered to those who qualify, as a means of reducing the amount of savings required for the down payment on the property.
  • Landowners can still receive financing up to 95% of $1.5 Million for construction
  • The maximum term of the loan will be 30 years up to age 70.
  • Mortgage may be extended to age 70 with a gainfully employed younger family member being the co-borrower
  • A graduated payment mortgage arrangement is included, the main features of which would allow for an increase of 0.5% annually from the inception of the loan to the attainment of the Approved Mortgage Company (AMC) rate (currently 7%) in five (5) years.
  • Inclusive of $20,000.00 approved for major appliances
  • The legal provision in the mortgage documents requires that beneficiaries of Government-financed properties cannot sell or sublet the subsidized property before the expiration of ten (10) years from the date of financing.
  • Mortgage Cover® is encouraged

*Normal lending criteria apply.

Contact Details

Head Office & Main Customer Service Centre
Albion Court,
61 Dundonald Street,
P.O. Box 1096,
Port of Spain.
Trinidad W.I.
Tel nos: 1(868) 623-TTMF/625-TTMF
Fax: 1(868) 624-3262
E-mail: info@ttmf-mortgages.com