eMortgage · a Richard Thelwell company

Apply once. Reach every lender worth reaching.

Commercial banks, building societies, credit unions and private lenders — one application, packaged and verified before it reaches any of them.

Start my application

Free to begin, and nothing reaches a lender until you say so.

Show me how it works

Two minutes, no sign-up.

No obligation, and nothing reaches a lender until you say so.

Four steps, in order

You apply once

One set of documents, one set of questions. We handle the rest of the paperwork.

We verify and package

A loan officer checks every section and a manager counter-signs before anything leaves.

Lenders compete

Your file goes to the institutions most likely to fund it. They come back with letters of interest.

You choose

Compare terms side by side, accept one, and sign inside the system.

See the numbers before you commit to anything

Nothing here is stored or sent anywhere. It is only to give you a sense of the shape of the loan.

Property price

Deposit

= J$2,800,000

Term

years

Interest rate

Per annum

Estimated monthly payment

J$208,045

Principal and interest only

Loan amount: J$25,200,000
Deposit: J$2,800,000
Loan to value: 90%
Total repaid over term: J$74,896,200

Start my application

Calculations are illustrative and do not represent an approval or lending offer. Your application computes full closing costs, insurance and affordability line by line.

Why go through a broker at all

Going direct means applying to one institution, waiting, and starting again if the answer is no. Every restart is another set of documents and another few weeks.

One

set of documents

Assembled and verified once, then presented to every institution on the panel.

Several

offers to compare

Letters of interest arrive side by side, so the rate is competed for rather than accepted.

brokerage fee

Payable on completion. The application fee is separate and covers the credit report and file work.

The questions everyone asks

Does applying affect my credit?

We pull one credit report as part of the application fee. Your file is packaged before any lender sees it, so you are not generating an enquiry at every institution.

What does it cost?

An application fee set by the administrator, which covers the credit report and the loan officer's work on the file, and 1% brokerage on completion. Nothing else.

Can I use my NHT benefit?

Yes. The application asks whether you are using NHT and produces the EFMP data sheet alongside the rest of the package.

Who sees my documents?

Our loan officer and manager while the file is being prepared. Lenders receive a package with your identity documents removed, and only after you have applied.

Ten minutes

The paperwork is the same either way. The difference is how many lenders see it.

Start the application and stop whenever you like — everything you enter is saved, and nothing reaches a lender until you have applied and chosen one yourself.

Start my application

No payment to begin. The fee falls due when your file is ready to go out.

One advisor, every chapter

Financing is rarely the only thing that needs deciding

The same practice handles what you are buying and what happens to it afterwards. Nothing here obliges you to use any of it.

Real Estate

Seeking a sanctuary on the North Coast or a penthouse in the heart of the city? Acquisition is advised with the financing and the estate consequences already in view — not bolted on afterwards.

See what is availableOpens Real Estate — a separate company in the Richard Thelwell group.

Insurance & Estate Planning

Life insurance is not just a safety net — it is the cornerstone of strategic estate planning, funding liquidity at exactly the moment an estate needs it most.

Plan your estateOpens The Private Office — a separate company in the Richard Thelwell group.