Private Capital in the Caribbean

Carib Capital operates as a mortgage broker. We facilitate private capital funding in the Caribbean via private lenders, offshore mortgage funds and traditional banking institutions. We specialize in both non-bank residential as well as commercial properties. We lend in select destinations for US, Canadian and European non resident borrowers.

The residential mortgages we offer are for homes in the tourist based markets. We offer both non-bank mortgage loans and loans offered by private banks. The mortgages we offer are a little pricier than traditional bank loans however the speed and ease of qualification make them an appealing option versus the extremely difficult banking process.

The mortgage market throughout the region is generally not well established. Banks are prevalent however they are not always reliable partners, especially for non-resident buyers. This is why we work with numerous lending sources to fill the gap in the market created by the banks. This also creates a great opportunity for those who want to invest in a secure, low risk offshore fund to diversify their portfolio.

Regardless of how we fund your loan however, you will receive quality information and advice from a licensed mortgage professional!

We deal directly with the borrower, no brokers please!

Please note: Carib Capital is a mortgage broker; we do not work with other brokers in order to facilitate loans. Broker chains can extend the time frame to complete deals and increases the closing costs for prospective buyers / borrowers.

Where We Lend

Our mortgage lenders are looking for marketable properties throughout the British Caribbean. Our primary markets however are Turks and Caicos, Cayman Islands and The Bahamas.

Turks and Caicos

Cayman Islands

The Bahamas

Our Secondary Markets

We consider financing in other parts of the Caribbean as well in our secondary markets. Contact us to discuss mortgage rates and terms which vary by location. Our minimum loan size is 750K USD, with a max LTV of 50% in our secondary markets. Feel free to try our mortgage calculator or follow our latest mortgage news!

USVI

BVI

Antigua

Anguilla

Hassle Free Mortgage Application

A quick application will help us determine your financing options on your favorite island.

Apply Now!!

Our Non-Bank Home Loans

Our primary mortgage product is the private loan. The Caribbean is known as a great place to live and visit, but not necessarily a great place to borrow money. For this reason, private (equity based) home loans are much more common in marketplace than they are in North America.

There are a few things you need to know about private mortgages. First off, the rates and fees are higher than you pay on a traditional bank mortgage. Secondly, you will likely need more down payment than you will to purchase a property. So what is the appeal? Well simply put, the banks are not all that interested in lending to non-residents, so private loans fill the gap in the market.

Our loans are typically in the 8% range for existing residential properties, with fees varying depending on the lender and location. The down payment required for qualification varies between 35 to 50% down, again depending on the lender. The upside to these loans however is the speed and ease of qualification (banks can often take months to approve a mortgage). Our lenders are typically looking to ensure you have the required down payment and that the property has high marketability. Check out our recently funded mortgages for examples.

We also have access to private capital for construction loans and resort properties.

Talk to us today about our loan options in your favorite Caribbean destination!