Rates in Guyana, with dates
Every figure the calculators use, exactly as published, with the day it was checked and where it came from. Reviewed 24 Sep 2026.
Mortgages
| Institution | Product | Rate or range | Term | Minimum | As of | Source | Confidence |
|---|---|---|---|---|---|---|---|
| Bank of Baroda (Guyana) | Housing loan, low income group (CH&PA scheme)Family income up to G$100,000/month; max loan G$2M; margin 10%; rate capped at NBS rate; salaried loan max 50x monthly gross salary; total deductions max 60% of gross salary; processing 1% max G$20,000; foreclosure 0.5% per residual year max 3% | 6.8% | max 25 years | 1 Jan 2020 | bankofbaroda.gy | checked on the source | |
| Bank of Baroda (Guyana) | Normal housing loanRate card (since 1 January 2020): up to G$5M 8.50%, G$5M to 10M 10.00%, above G$10M 12.00%; the product page says 6.00% to 8.00%, maximum G$200M, contribution 10% to 25%. Prime lending rate 10.00%. | 8.5%6.0% to 12.0% | max 25 years | 1 Jan 2020 | bankofbaroda.gy | reported | |
| Citizens Bank Guyana | Mortgage tiersUp to $10M 3.5% (low income); up to $20M 3.7%; up to $30M 4.6%; up to $50M 5.0%; over $50M negotiable; up to 100% construction financing; 'No commitment or processing fees' (promo; fee schedule still lists them); low-income and residential pages: 10 to 20% contribution, max 30 years | 3.5%3.5% to 5.0% | up to 35 years | 24 Sep 2026 | citizensbankgy.com | checked on the source | |
| Demerara Bank | Residential Home Loan tiersUp to G$4M 3.5%; G$4,000,001 to 9M 3.7%; 9,000,001 to 15M 4.5%; 15,000,001 to 40M 5%; above 40M 8%. Contribution 10% (low-income and young professional units), 15% (construction, renovation), 20% (purchase). Current promo: 50% off attorney fees, processing and site-inspection fees waived | 3.5%3.5% to 8.0% | 24 Sep 2026 | demerarabank.com | checked on the source | ||
| GBTI | Residential mortgage, standard rate tiers (effective 1 May 2026)Up to $4M 3.5%; $4M to 9M 3.7%; $9M to 20M 4.25%; $20M to 40M 4.75%; $40M to 60M 4.99%; above $60M 5.25% to 6.5% negotiable. GBTI Advantage relationship pricing: 3%, 3.2%, 3.75%, 4.25%, 4.49%, 4.75%. Low-income housing 'as low as 3% up to $30M'; contribution 5 to 10% (low income, young professional) or 10% (residential) | 3.5%3.5% to 6.5% | up to 30 years (illustration) | 1 May 2026 | gbtibank.com | checked on the source | |
| GPSCCU | MortgageSite: up to $15,000,000, rate 'determined based on the size of the loan ... by seeing a loan officer'. The 2021 annual report announced 3.5% to 7% with no down payment required; the current range is not published. | 3.5% to 7.0% | 11 Apr 2021 | mygpsccu.com | reported | ||
| Hand-in-Hand Trust Corporation | Domestic mortgage (as reported to Bank of Guyana)Reported to the Bank of Guyana (Statistical Abstract, July 2026, Table 4.1): domestic mortgages 10.00%, commercial 13.00%, average deposit rate 1.51%, unchanged from 2020 to 2026. The company's own residential mortgage page also lists 10%, and 6.1% for low-income mortgages up to G$8,000,000 (up to 90% financing, 15 years maximum). Processing fee $5,000; vehicle loans up to 80% new or 50% to 70% used, maximum 4 years; equity loans up to 7 years. | 10.0% | 31 Jul 2026 | bankofguyana.org.gy | checked on the source | ||
| New Building Society | Regular mortgage'Regular mortgage rate of 5% a year for loans up to G$30 million', a 5% ceiling set in May 2025 when the limit rose from $20M; interest daily on the reducing balance; variable under the deed; application, credit report and legal fees not priced. Smaller loans can cost less: NBS's notice of rates effective 1 September 2022, still on its website, lists 3.50% up to $4M and 3.75% from $4M to $9M, and NBS said in May 2025 that its other mortgage rates start at 3.50%. The Bank of Guyana puts NBS's average mortgage rate at 4.38% in 2026. | 5.0%3.5% to 5.0% | max 30 years concrete/brick, 15 years greenheart | 24 Sep 2026 | nbsgy.com | reported | |
| Republic Bank (Guyana) | 2026 residential mortgage offer (up to G$60M)Since February 2026 Republic has offered residential mortgages up to $60M at 5%, with no borrowing ceiling; a $20M to $40M mortgage moved from another bank gets 4.7% with no negotiation or attorney fees. Its 2026 mortgage campaign also advertises 3.5% up to $9M and 4.25% over $9M to $20M, the rates of its Low Cost Mortgage package for first-time home owners. Up to 100% financing; up to 40 years or age 70; special conditions apply. The older Easy Home Loan page still shows 6% to 7% by loan-to-value, an application fee of $4,500 (up to $5M) or $6,000 and a negotiation fee of 0.5%. The rate above $60M is not published. | 5.0%3.5% to 5.0% | up to 40 years or age 70 | 24 Sep 2026 | makeithappenloan.com | reported | |
| Republic Bank (Guyana) | Easy Home Loan (standard residential mortgage)6% at LTV/LTC up to 75%; 6.5% above 75 to 85%; 7% above 85%; equity 5%; application fee $4,500 (up to $5M) or $6,000; negotiation fee 0.5% (min $7,000, max $40,000 up to $8M; max $155,000 over $8M) | 6.0%6.0% to 7.0% | up to 40 years or age 70 | 24 Sep 2026 | republicguyana.com | checked on the source | |
| Republic Bank (Guyana) | Low Cost Mortgage (first-time home owners up to G$30M)3.50% up to $9M; 4.25% over $9M to $20M; 5% over $20M to $30M; no splitting; equity 5% (land counts); no income ceiling; application fee $4,500, negotiation fee $5,000; no takeovers or refinancing; interest-only moratorium up to 1 year during construction | 3.5%3.5% to 5.0% | minimum 20-year amortisation, repaid before age 65 | 24 Sep 2026 | republicguyana.com | checked on the source | |
| Republic Bank (Guyana) | Set for Life home equity loanTotal facilities incl. mortgage not above 80% of market value; no equity; fee 0.5% (min $6,000, max $20,000 up to $8M; max $155,000 over $8M) | 7.5% | minimum 10 years | 24 Sep 2026 | republicguyana.com | checked on the source | |
| Trust Company (Guyana) | MortgageNot published: the site offers 'secured mortgage lending services' with no rate, term or fee. Shown against the Bank of Guyana's average lending rate of 7.70%. | not published | 24 Sep 2026 | trustcompanygy.com | unconfirmed |