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6 Banks Offering Mortgages in Sint Maarten

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Quick Summary

Obtaining a mortgage can be a necessary step for many real estate buyers in Sint Maarten, whether they're residents or non-residents. Whether for a condominium, villa, or other real estate in Sint Maarten, a mortgage can help a purchaser obtain the property they want. Furthermore, mortgages in St. Maarten can be used for the purchase of a primary or secondary residence, as well as for commercial and investment properties. Banks with a presence in St. Maarten can be the easiest to work with as they typically have the most experience lending in the local real estate market. While there are also many non-bank lenders and alternative sources of financing available as well, here are six local banks on the island offering mortgages for St. Maarten real estate purchases to consider in alphabetical order...

Banco di Caribe

Since 1973, Banco di Caribe has had a presence in the Dutch Caribbean banking sector, now with branches in Aruba, Bonaire, Curaçao, and Sint Maarten. Offering both personal and corporate banking services, Banco di Caribe is a full service bank on the island. Banco di Caribe offers two different types of mortgages - "Life Mortgages" which are a combination of life insurance and a mortgage, and "Annuity Mortgages" which are more traditional mortgages with fixed monthly installments over a predetermined prepayment term. Life Mortgages offer a sense of security for dependents in the unfortunate event that the borrower passes away before the end of the loan period.

CIBC First Caribbean

As a Caribbean affiliate of the Canadian Imperial Bank Of Commerce, CIBC is a global bank offering a full suite of financial products and services. CIBC First Caribbean offers mortgages for buying a home as well as building a home in St. Maarten, and also works with existing mortgage borrowers to refinance their mortgages. 

PSB Bank

PSB Bank's predecessor, Curaçaose Postspaarbank, began operating in 1905 to offer residents of the Dutch Caribbean islands a way to save or invest. In 1952 Curaçaosche Postspaarbank was renamed Postspaarbank van de Nederlandse Antillen and in 2009 was renamed PSB Bank N.V.. PSB Bank offers mortgages to build or to buy real estate in St. Maarten.


RBC, short for Royal Bank of Canada, is a multinational bank offering a full array of banking services for individuals and businesses. With a major presence in St. Maarten, RBC is well suited to offer mortgages as well as other types of loans for real estate buyers and investors on the island. RBC offers mortgages for St. Maarten residents as well as non-residents, and offers mortgages for existing homes as well as new construction and development lots. 

Republic Bank

Rooted in Scotiabank's former Caribbean banking operation, Republic Financial Holding Ltd. announced in November 2018 its agreement to acquire Scotiabank’s banking operations in Guyana, St. Maarten and the Eastern Caribbean territories, including Anguilla, Antigua and Barbuda, Dominica, Grenada, St. Kitts and Nevis, St. Lucia and St. Vincent and the Grenadines. Republic Bank offers mortgages for residents of Sint Maarten as well as non-residents. 

Windward Islands Bank

Windward Islands Bank, often abbreviated as WIB, has had a presence in St. Maarten for over 50 years and offers both personal and business banking services. Affiliated with Maduro & Curiel's Bank in Curaçao and Bonaire as well as Caribbean Mercantile Bank in Aruba, the banking group is well suited to offer mortgage services in the Dutch Caribbean region. Windward Islands Bank offers mortgages for St. Martin residents and non-residents.

St. Maarten Sotheby's International Realty has experience working with all major banks in St. Maarten, as well as a wide variety of alternative lenders and mortgage brokers. Be sure to contact us today to discuss your St. Maarten real estate goals with our team of experts. This list is for informational purposes only and is by no means an endorsement of any particular lender. All mortgages are subject to approval. 

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