First Citizens Mortgage Centre image of young lady walking in front of her new house.

Check us first to help you make the move to your new home.

At First Citizens, we’re dedicated to helping you find the perfect place to call home. Apply for a mortgage with us, and we’ll help you secure the keys to your dream house.

get prequalified today

Mortgage 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 for your Aspiring Home Savings Plan and move one step closer to owning your home.

Mortgage Offers

Acquisition Mortgage

Whether it’s a cozy starter home or a place to keep growing, we’ll help you unlock endless possibilities.

Up to 100% financing
Low interest rates
Get cash back (Residential Mortgages value over $750k)
Financing of up to $150k for mortgage related expenses

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Couple standing Infront of their new home

Equity Mortgage

Borrow against the available equity in your home.

Up to 90% financing
Pay reduced closing fees
Affordable monthly payments
Hassle free loan up to $250,000.00

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Couple moving into their new home. Young woman holding plant while guy is holding a box embracing each other with smiles.

Switch Mortgage

Benefit from huge savings when you Switch your residential mortgage with us!

Longer repayment terms
Low interest rates
Get cash back

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Mortgage Process

A Mortgage For You

Mortgage Financing is a loan secured by specified real estate property

Documents Required

When applying for financing for your home, the documentation plays a critical role. As such, it is important to be aware of all the documents needed and when they will…

Qualification Criteria

Owning your home is one of the biggest decisions you are likely to make. For many it is like a dream come true. It is therefore important that the right…

Timeline of Process

Mortgage Process for buying and building

Home Ownership Guide

Glossary

Associated Professionals

Mortgage Calculator

The First Citizens mortgage calculator helps you estimate how much you can borrow and what your monthly payments will be.

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.