Apply for Government Housing

Overview

Who can apply

• Bahamian citizens 18 years of age or older
• Applicants with at least six months of continuous employment
• Households whose income falls within published programme thresholds
• First-time homeowners are given priority consideration

Required documents

• Valid Bahamian passport
• National Insurance Board (NIB) card
• Current job letter (within 30 days)
• Three most recent pay slips
• Two character references
• Proof of residence (utility bill)
• Bank statement (most recent 3 months)
• Marriage certificate or co-applicant ID (if applicable)

Application steps

1. 1
   Review eligibility

   Confirm you meet the published programme criteria.

2. 2
   Gather documents

   Prepare the required documents listed above.

3. 3
   Submit online application

   Complete and submit the housing application form.

4. 4
   Application review

   A ministry officer will review and contact you for next steps.

5. 5
   Approval & follow-up

   If approved, you will be guided through deposit, signing, and key handover.

Legislation & official sources

Everything on this page is drawn from Bahamian law and official government sources.

• Housing Act, Ch. 199

  Establishes the Housing Department, insured mortgage loans and programme administration.

• Housing Regulations (S.I. 59/1983)

  Sets the 30% gross debt service ratio cap and approved-lender interest limits.

• Bahamas Mortgage Corporation

  Government mortgage financing for approved housing applicants.

• National Insurance Board

  Obtain or replace an NIB smart card and confirm your contribution record.

• First Home Exemption — Department of Inland Revenue

  Official application process for stamp duty / VAT relief on a first home.

• Central Bank of The Bahamas

  Prime rate and lending statistics used in mortgage pricing.

Frequently asked questions