Apply for an affordable Mortgage Today!

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.

Bring Christmas to life in your own home.

– Up to 100% financing*
– Cashback
– Low interest rates
– Special financing for closing fees and furnishings
– Affordable monthly payments

Acquisition Mortgage

Use your home’s value to finance what matters most.

– Up to 90% financing
– Reduced closing fees
– Low interest rates
– Affordable monthly payments

Equity Mortgage

Unwrap savings when you switch your mortgage to us.


– Up to 100% financing
– Cashback
– Low interest rates
– Affordable monthly payments

Switch Mortgage


Our team possesses extensive expertise in assisting YOU with mortgage solutions in Trinidad and Tobago.

Clayton Gibbs

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 684-2814

Branch Location: At Your Convenience

Tel: (868) 684-2814

Clayton Gibbs

Mortgage Officer

Seth Goolcharan

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 620-1328

Branch Location: At Your Convenience

Tel: (868) 620-1328

Seth Goolcharan

Mortgage Officer

Liselle Henry-Wilson

Mortgage Officer – Tobago

Branch Location: At Your Convenience

Tel: (868) 734 7872

Branch Location: At Your Convenience

Tel: (868) 734 7872

Liselle Henry-Wilson

Mortgage Officer – Tobago

Naresh Mack

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 734-7934

Branch Location: At Your Convenience

Tel: (868) 734-7934

Naresh Mack

Mortgage Officer

Rennison Karamath

Mortgage Officer

Branch Location: At Your Convenience

Tel: (868) 734-9315

Branch Location: At Your Convenience

Tel: (868) 734-9315

Rennison Karamath

Mortgage Officer


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.

Tell us about your income
Tell us about your other debts
How much you can borrow

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.