🏝️ CAYMAN BEACON BANK | HOME FINANCING
Your dream home.
Our smartest mortgage.
Competitive rates, flexible terms, and local expertise in the Cayman Islands & beyond.
🏡 Rates starting at 5.25% APR · 10–30 year terms · 0% down options*
Loan Amount
Up to $5M
Primary, secondary, investment properties
APR from
5.25%
Fixed & adjustable options available
Closing Time
As fast as 21 days
Dedicated loan processor
Foreign National OK
Yes
Non-residents welcome
📍 Cayman Beacon Bank – Mortgage Division 🇰🇾
Headquarters & Lending Center
Grand Cayman, BWI
Main Office
77 West Bay Road, Seven Mile Beach, Grand Cayman KY1-1205
77 West Bay Road, Seven Mile Beach, Grand Cayman KY1-1205
Mortgage Inquiries
Mary Street, George Town
Mary Street, George Town
🏠 Local & International
Cayman, US, Canada, UK property eligible
Why Cayman Beacon for your home loan?
Simple application
100% online application, upload documents, e-sign. No branches required.
Rate lock up to 90 days
Lock your interest rate while you shop for your home — free of charge.
No prepayment penalties
Pay extra or pay off early with zero fees. Save on total interest.
Dedicated mortgage advisor
One point of contact from pre-approval to closing.
📋 Home loan programs
| Loan Type | APR Range | Term | Down Payment | Best For |
|---|---|---|---|---|
| Fixed-Rate Mortgage | 5.25% – 6.25% | 15, 20, 30 yr | 5% – 20% | Predictable payments, long-term ownership |
| Adjustable-Rate (5/1 ARM) | 4.99% – 5.75% | 30 yr | 5% – 15% | Lower initial rate, short-term stay |
| Jumbo Loan | 5.50% – 6.50% | 30 yr | 10% – 20% | High-value properties ($1M+) |
| Foreign National Loan | 5.75% – 6.75% | 15–30 yr | 25% – 30% | Non-resident buyers, investment properties |
| Investment Property | 6.00% – 7.00% | 30 yr | 20% – 25% | Rental / vacation home income |
💰 Estimate your monthly payment
💡 Estimated monthly payment (principal & interest): $0.00
*Does not include taxes, insurance, or HOA fees. For estimate only.
✨ Exclusive Beacon homeowner perks
Rate discount for existing clients
Beacon Premium Checking or Savings customers save 0.25% on APR.
Free annual home appraisal
For eligible loan recasts or PMI removal.
No origination fee promotion
$0 lender fee for qualified first-time buyers (limited time).
Compare Beacon Home Loan vs. Traditional Banks
| Feature | Traditional Bank | Cayman Beacon Home Loan |
|---|---|---|
| Pre-approval turnaround | 3–5 days | ✓ 24 hours |
| Down payment options | 10% minimum | ✓ 0% – 5% for qualified buyers |
| Foreign national eligibility | Very limited | ✓ Yes — dedicated program |
| Prepayment penalty | Often yes | ✓ None |
| Digital closing | Sometimes | ✓ Fully remote option |
📝 Simple 4-step process
1
Apply online
5 min application
2
Get pre-approved
within 24h
3
Underwriting & closing
dedicated advisor
4
Move in & save
paperless payments
🏆 Why Cayman Beacon?
- ✓ CIMA regulated — trusted stability
- ✓ Multi-currency mortgage options (USD/KYD)
- ✓ Fast closing, transparent fees
- ✓ Local underwriting team in Cayman
📄 Basic Requirements
- Minimum credit score: 660 (FICO)
- Debt-to-income: ≤ 45%
- Proof of income (2 years tax returns)
- Down payment as low as 5% (primary residence)
Ready to unlock your dream home?
Get pre-approved in 24 hours. Zero obligation, no hard credit pull for initial quote.
We also offer refinancing and renovation loans. Speak to an advisor.
*APR = Annual Percentage Rate. Rates effective as of current month and subject to change based on market conditions. 0% down payment available only for qualified Cayman Islands civil servants and Beacon Premier clients. Foreign national loans require 25% minimum down payment. Terms and conditions apply. All loans subject to credit approval and property appraisal. Cayman Beacon Bank is licensed by the Cayman Islands Monetary Authority. NMLS # (if applicable) — full disclosure available upon request.