NHT LOAN AND ADDITIONAL FINANCING

The NHT will lend a single applicant up to the full purchase price of a solution, within the Malvern Housing Development, subject to eligibility and affordability. If two persons co-apply for a solution, together they can borrow up to the total cost of the solution, subject to eligibility and affordability. Under the First Home Programme, effective July 1, 2024, the NHT will develop one bedroom and studio apartment complexes in or around urban centres, such as the Howard Avenue Housing Development. These solutions will be sold to qualified NHT contributors with an optional ‘buy back’ clause. i.e. Beneficiaries will have the option to sell the unit back to the Trust, within an approved timeframe. (Conditions apply) 

Successful applicants will be required to pay a closing cost of $3,500 for each housing solution (i.e. unit or lot).

WHO CAN APPLY

All qualified NHT contributors may apply. However, preference will be given to qualified applicants who live and/or work, firstly in the parish of St. Elizabeth, secondly in Manchester, then thirdly in Westmoreland, and thereafter all other parishes.

HOW TO APPLY

NHT contributors applying for scheme benefits may do so by accessing the NHT’s website, www.nht.gov.jm. They will then be directed to the application form. Applicants and their co-applicants are advised to ensure they have their TRN and NIS cards as well as their employment history before beginning the application process. They will be required to input personal and employment details as well as select their choice of a benefit on the online form. 

WHEN TO APPLY

Applications will be accepted online between Tuesday, September 30, 2025 at 8a.m. and Wednesday, October 1, 2025 at 8p.m. Please note that no application will be accepted before or after these times and dates.