Mortgages

Overview

Under a fortnightly payment plan, a home-owner can save thousands in interest. With fortnightly payments you basically pay one additional instalment every year (26 fortnight payments = 13 months). As interest is amortized monthly the additional payments every year will effectively reduce the amount of interest you pay over the term.

Acquire a new home, benefit from your equity or even switch your mortgage!

Enjoy great benefits with a First Citizens Mortgage.

apply now

Acquisition Mortgage

Equity Mortgage

apply now

Equity Mortgage

Mature couple enjoy coffee on their couch with a First Citizens Equity Mortage

Switch Mortgage

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Switch Mortgage

Mortgage Experts

Clayton Gibbs

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 684-2814

clayton.gibbs@firstcitizenstt.com

Branch Location: At Your Convenience

Tel: (868) 684-2814

clayton.gibbs@firstcitizenstt.com

Clayton Gibbs

Mortgage Officer

Seth Goolcharan

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 620-1328

seth.goolcharan@firstcitizenstt.com

Branch Location: At Your Convenience

Tel: (868) 620-1328

seth.goolcharan@firstcitizenstt.com

Seth Goolcharan

Mortgage Officer

Liselle Henry-Wilson

Mortgage Officer – Tobago

Branch Location: At Your Convenience

Tel: (868) 734 7872

liselle.henry@firstcitizenstt.com

Branch Location: At Your Convenience

Tel: (868) 734 7872

liselle.henry@firstcitizenstt.com

Liselle Henry-Wilson

Mortgage Officer – Tobago

Naresh Mack

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 734-7934

Naresh.Mack@firstcitizenstt.com

Branch Location: At Your Convenience

Tel: (868) 734-7934

Naresh.Mack@firstcitizenstt.com

Naresh Mack

Mortgage Officer

Rennison Karamath

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 734-9315

Rennison.Karamath@firstcitizenstt.com

Branch Location: At Your Convenience

Tel: (868) 734-9315

Rennison.Karamath@firstcitizenstt.com

Rennison Karamath

Mortgage Officer

Mortgage Calculator

Disclaimer: The information provided by this calculator is for illustrative purposes only. The default figures are estimates and may not be applicable to your individual situation. Be sure to consult a financial professional before relying on the results.

Financial Tips

The key to owning your home is preparation. The earlier you start to prepare for owning your home, the better position you will be in to make the most of opportunities when they become available.

It is for this reason that First Citizens created The Aspiring Home Savings Plan to assist customers in saving towards their home. This savings account is a special tool with a higher interest rate than other deposit accounts.

With this account, you can make monthly planned contributions towards your upfront cost on owning your home.

You can contact any of our Mortgage Experts or Apply Now for your Aspiring Home Savings Plan and move one step closer to owning your home.

Take advantage of the latest technology

Choose the right platform that moves to your beat. Sign up for our online or mobile banking, confidently use our secured messaging or converse with Ani, our friendly chatbot.

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Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

Quick Links

Overview

Acquire a new home, benefit from your equity or even switch your mortgage!

Acquisition Mortgage

Equity Mortgage

Equity Mortgage

Switch Mortgage

Switch Mortgage

Mortgage Experts

Clayton Gibbs

Branch Location: At Your Convenience

Clayton Gibbs

Seth Goolcharan

Branch Location: At Your Convenience

Seth Goolcharan

Liselle Henry-Wilson

Branch Location: At Your Convenience

Liselle Henry-Wilson

Naresh Mack

Branch Location: At Your Convenience

Naresh Mack

Rennison Karamath

Branch Location: At Your Convenience

Rennison Karamath

Mortgage Calculator

Financial Tips

Take advantage of the latest technology

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Quick Tips

SMS Banking Commands

What are Commands and how do I use them?

Sending Commands:

Fixed Income Fund

Income & Growth Fund