100% Mortgage Offer for Specialised Groups

VMBS will be providing access to 100% mortgage financing to self-employed individuals who operate micro-businesses and demonstrate the desire, ability and discipline required for home ownership.

Who will benefit?

  • Self-employed persons and employees of micro-businesses such as electricians, owners of public transportation and hair dressers who have not previously accessed a housing benefit
  • Contract Workers


  • Be an active VM Member, or saver for 6 months or more, with all accounts in active status
  • Be a Jamaican National permanently residing in Jamaica
  • Have a reliable source of income
  • Have a demonstrable savings discipline pattern
  • Have good bill payment records
  • Have an identifiable property for purchase
  • Not be a beneficiary of a prior mortgage or housing benefit

What next?

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