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NHT's interview process consists of several steps. Your application is reviewed and if short listed you will go through a phone interview and then an in person interview.
It's best to write one or have one created for you, but you can still apply without one. Where a resume/CV is requested, upload a brief description of your background, experience (with dates of employment), education, and skills. This info is necessary to evaluate candidates. Applications without this information can't be considered.
It's easy! First, search for a job. Once you find the role you're interested in, click the 'Apply Now' button next to the title of the role at the top of the page. Then, follow the directions.
Yes, the NHT assists with the deposit in two ways. 1. If you have paid the 5% minimum deposit, and the vendor requires a larger deposit amount, the NHT will assist if the house/lot being purchased is less than the loan that you are eligible for. 2. The NHT will allow you to use contributions not yet due for refund to offset your deposit under the Contribution Refund Towards Deposit (CRTD) facility. Up to 6 years contributions can be used.
Starting July 1, 2025, eligible "private sector" mortgagors can apply for their 2017 contributions refund. These refunds were previously reversed from their loan accounts, effective January 1, 2025, and posted to their savings accounts for possible refund in hand.
No, payments must be made at the NHT cashier or to the external attorney who is handling the case on NHT's behalf.
An 'Asking Price' for each property is displayed. This price is the amount we will be prepared to consider as an offer to purchase the property. Please note that this figure is subject to change from time to time. *N.B. We reserve the right to accept or reject any bid, and we are not compelled to sell the property to the highest bidder.
Type of financing Requirement Loan from NHT 5% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan. Loan from other source(s) 15% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan. Cash purchase 15% of the bid sum is payable as a deposit. Evidence of the balance of the purchase price and the other associated costs must also be provided before offer is considered acceptable. Joint Finance Mortgage Programme (JFMP) 15% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan.
You will be required to pay the difference between the bid amount and the maximum loan entitlement. This is also subject to your ability to repay the loan. You must provide evidence that you can pay this shortfall before the sale/purchase processes can commence.
There will be some specific legal fees which you will be required to pay to enable us to not only register your name(s) on the Title as owner(s) of the property, but also the mortgage loan. These fees are approximately 3% of the sale price, and represent half costs for stamp duty and registration. (N.B. The 3% is based on the Stamp Commissioner’s assessment of the value of the property, and the cost to register the mortgage loan may vary depending on the Institution from which you will be obtaining the loan)
(a) You must be a first-time homeowner, and currently making contributions to the Trust. However, for more details of the eligibility requirements you may either visit the Customer Service Department at the nearest Branch Office, or visit the Loans section of the website by clicking on the “ Loans” link in the menu for more information. N.B. If you are not qualified for a NHT loan, you may still be allowed to purchase a property; however, we will not grant you the loan. Financing must therefore be sought from another source. (b) You may use the Fifteen (15) Plus Loan to purchase a property being sold by Private Treaty provided: the previous NHT loan was obtained at least 15 years ago; you are not currently a home-owner; your current non-home -owner status is not as a result of failure to meet NHT’s required mortgage payments. (c) If you are successful in bidding on more than one property, you will be allowed to purchase these properties, subject to proof that you can afford to pay for each one. However, we will grant you a mortgage loan on only one (1) property, if you are eligible for a non-home-owner’s loan or a loan as outlined at item (b) above.
Yes, provided that you can satisfy the requirements.
