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Buying a home is the single largest investment most people will ever make. You want to do it wisely, not just looking at the price of the real estate itself but the cost of financing, including interest rates, closing costs, terms and conditions. BOB's mortgage experts will help you step by step, offering you the best mortgage plan customized for your individual needs. You will enjoy flexible repayment terms and competitive interest rates with your Bank of Solutions. 

Required Documents

Save time by having these documents available when applying for a mortgage:

  • Valid passport and NIB Smartcard for identification
  • A letter from your employer and your most recent salary slip
  • Copies of recent bank statements or a bank reference from your banker (if you are a self employed customer)
  • An agreement for sale: if you are buying a property; this would be a letter from the person selling the property
  • Approved construction plans along with a construction estimate if you plan to build. The estimate should show the costs for the various stages of construction.
  • An appraisal of the property is required whether you are buying or building a home.

BOB's Approved Listing of Legal Service Providers

The Bank is guided by the following criteria when approving Attorneys:

  1. Submission of current copies of the due diligence including:
    1. Resume of Attorneys in the Firm’s Commercial Department
    2. Business License/Grand Bahama Port Authority Limited Certificate of Good Standing
    3. VAT Certificate of Registration
    4. Certificate(s) of Good Standing from The Bahamas Bar Association
    5. Notary License(s); and
    6. Professional Indemnity Insurance with a minimum coverage of $1 million.
  2. Confirmation of no outstanding matters with the Bank
  3. A minimum of two (2) Attorneys employed at the law firm
  4. Any other check as deemed necessary

Approved Legal Providers and Real Estate and Appraisal Companies March 2023

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