Frequently Asked Questions

In simple terms, it is a loan for which you house functions as the collateral. The bank or mortgage lender loans you a large sum of money (typically no more than 90 percent of the price of the home), which you must pay back (with interest) over a set period of time.

Anyone with a desire to own a house may apply; this includes existing NCB customers and individuals who are not yet NCB customers.

Generally, between the ages of 18 to 70 years. Customers over 70 may however be considered based on their particular circumstances.

The minimum NCB Mortgage loan amount is J$1,000,000.00

The maximum amount you can borrow for a primary residence is J$40,000,000.00

The maximum amount you can borrow to purchase an investment property is J$30,000,000.00

No. We currently only offer the NCB Mortgage facility for properties located within Jamaica.

Generally, the maximum repayment period is 35 years or the number of years to the retirement age of 70 years

Yes you can. As long as we receive the necessary documents for all parties involved and all parties are between the ages of 18 – 70 years.

Visit the checklist page at https://myhome.jncb.com/checklist

You can apply for your mortgage loan online at
https://myhome.jncb.com/

Yes, access your NHT benefits through NCB.

Your NCB mortgage application will generally take approximately 3 – 6 days to be approved after receipt of all required documents.

Yes, speak to our sales representative for more information.

The NCB Mortgage Portal is a gateway created to facilitate service requests initiated by NCB approved mortgage customers to be sent to a Valuator or Commissioned Land Surveyor (Professional), and the uploading of a Valuation Report or Surveyor’s ID Report from the professional.

The Professionals listed on the portal are NCB approved Valuators and Commissioned Land Surveyors however, not all of the professionals are currently available to be assessed via the portal. NCB is authorized to update this list at any time.

You may select the Valuator or Surveyor of your choice, one relatively close to the property you would like to be assessed. Please note distance from the property may affect the time it takes for the professional to visit and the cost associated with the service.

NCB customers with Online Banking access can use their NCB Online Banking username and password to log in and submit a service request.

You may access the NCB Mortgage Portal by visiting www.myhome.jncb.com/professionals/valuators

Select “Professionals” from the menu bar
View and Select Preferred Valuator/Surveyor
Select “Request Service” (Login page will be displayed)
Login using NCB Online Banking credentials
Complete “Service Request Form”

Yes you may submit more than one request to get quotes.

Yes. It would save time if you submit both Service Requests. You will be required to make individual requests choosing your preferred Professional for each type of report.

Once your Service Request has been successfully submitted, your dashboard will be displayed with all Service Requests submitted by you. The Professional will receive a notification via SMS or E-Mail and will contact you within 1 business day to confirm the details.

Yes, you may edit the Service Request at any time before it has been accepted by the Professional. You are required to make contact with the Professional if changes are to be made after the Service Request has been accepted.

You may cancel the service request at any time up to the point of final payment. Refunds are not handled through the portal and will have to be addressed directly between you and the professional.

You may utilize any of the following options to make your payment:

• The Professional’s Portal using any of your NCB credit cards or Savings/Current accounts using your NCB Online Banking credentials
• Cash or other facilities not provided by NCB (upload of an image of the proof of the payment(s) required). Reports will be available for viewing and download after payment has been verified.

Log in into the Portal’s dashboard, select “Details” for the service request you would like to make the payment for, and then select “View” within the “Payments & Fees” tab, and then select the “Pay Online” button beside the service request that you would like to make the payment for, enter RSA information required and select the account or credit card you wish to pay from.

Unfortunately part payments are not facilitated using the Professional Portal; payments can only be made in full, as indicated by the Professional. If you have chosen an alternate payment option then part payments may be made based on mutual agreement between you and the Professional.

Contact details for the Professionals are available on the Portal (under heading Professionals) or you may call NCB’s Customer Care Centre at 888-622-3477

You may cancel the service request at any time up to the point of final payment. Refunds are not handled through the portal and will have to be addressed directly between you and the professional.

You may cancel a service request by logging into the Portal’s dashboard, selecting “Details” for the service request you would like to cancel, and then select “Cancel” within the “Overview” tab.

You should receive a call from the Valuator or Land Surveyor within one (1) business day.

If a Professional has not contacted you within one (1) business day of your Service Request submission, you may do any of the following:

• Call the Professional to enquire about the Request or
• Cancel the Service Request (ensure to enter the reason for cancellation when prompted) and submit a new request to another professional.

What happens when I submit a Service Request to a Professional?

Step 1
 Customer: Submits service request for valuation or surveyor’s ID report
 Professional: —

Step 2
 Customer: —
 Professional:

• Gets notification
• Contacts customer to verify details
• Accepts or cancels request based on conversation
• Uploads Quotation/Invoice indicating deposit amount required

Step 3
 Customer:

• Visits Portal to view Quotation/Invoice
• Makes Payment using Portal/Other Payment options
• If other payment options used: Submit a copy of your proof of payment (PDF, PNG or JPEG file (less than 5MB)


Professional: —

Step 4
 Customer: —
 Professional:

• Visits property
• Complete report
• Uploads final invoice

Step 5
 Customer:

• Makes final payment
• Views and/or downloads report


Professional: —

Step 6
 Customer: —
 Professional: Uploads receipt

Step 7
 Customer: Branch notified that report saved to NCB’s database
 Professional: —

You will be notified via email and SMS at every step of the process.