Loans & Mortgages
Loan & Mortgages
Achieve your dreams with our flexible loan options and competitive mortgage rates.
Personal Loans
Flexible personal loans designed to fit your lifestyle. Whether it's for home improvement, debt consolidation, or emergency expenses, we’ve got you covered.
Auto Loans
Finance your new or used car with low interest rates and easy repayment terms. Fast approval process and flexible options to fit your needs.
Mortgage Loans
Find the perfect mortgage for your new home. Whether you're a first-time homebuyer or refinancing, we offer a variety of loan products to suit your needs.
Home Equity Loans
Unlock the equity in your home to finance big projects or consolidate debt. Low rates and flexible terms make it easy to manage your finances.
Why Choose Us?
Competitive Rates
Enjoy some of the lowest interest rates in the industry, making your loans and mortgages more affordable.
Flexible Terms
Choose from various repayment plans that work around your financial situation.
Fast & Easy Application
Get approved quickly with a simple, online application process. Most applications are processed within 24 hours.
Expert Guidance
Our team is ready to guide you through every step of the loan process, ensuring you make the best decision.
We are making it easier for first time buyers to get on the property ladder
- A 95% loan to value (LTV) mortgage allows you to borrow up to 95% of your property value or the purchase price, whichever is lower - this means that you only need to contribute a minimum 5% deposit.
- You can calculate your LTV by dividing the amount you want to borrow by the value of the property / purchase price then multiplying this figure by 100. Here is an example, if your purchase price is USD200,000 and you have a Gbxfinance Bank 10,000 deposit, you would need to borrow USD190,000. The LTV calculation would be $190,000/USD200,000 x 100, which in this example would mean that your LTV ratio is 95%.
- 95% mortgages are only available on our residential product range if you're purchasing a property with a loan size of up to USD400,000. The maximum amount we will lend will depend on your individual financial situation, your other circumstances, the property you are looking to buy and the type of mortgage you choose.
- Spread your repayments over one to five years for loans of $ 15,000 or less, or over one to eight years for loans over $ 15,000.