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GOVERNMENT HELP · VERIFIED

Government help buying a home in Saint Lucia

Three things are real right now. Zero-deposit mortgages for public servants. No stamp duty on the first EC$400,000. And a new US$20 million housing facility at the Saint Lucia Development Bank. Each one below, with what we know, the source, and what to do next.

A guide, not financial advice. Your lender decides what you qualify for and your final number. Every fact on this page carries its source; anything not yet published is marked as such. We update this page as the bank publishes details.

THE SCHEMES

The help, scheme by scheme

verified facts only, each with its source
  1. 1scheme

    Zero-deposit mortgages for public servants

    Who: police, teachers, nurses, doctors, civil service. The emphasis is first-time buyers.

    What: the Saint Lucia Development Bank (SLDB) lends 100% of the price. No deposit. The loan is guaranteed by the NIC, the state pension fund. You also get EC$1,000 toward legal fees.

    Do: apply at SLDB. Your savings then cover lawyer and moving costs instead of a deposit. See what a 100% loan does to your number on the affordability page.

    St Lucia Times · Sep 2024 Loop News · Parliament approval SLDB · housing loans
  2. 2scheme

    Stamp duty relief on the first EC$400,000

    What: no stamp duty on the first EC$400,000 of a qualifying residential mortgage. That is money straight off your buying costs.

    Who: qualified borrowers, including private-sector workers, not only public servants.

    Honestly: the fine print, such as whether it is first-time buyers only, has not been published. Ask your lender to confirm you qualify before you count on it.

    Government of Saint Lucia · announcement fine print · not yet published
  3. 3scheme

    The new US$20 million housing facility

    What: a US$20 million Housing and Infrastructure Development Facility at the SLDB, funded by the Export-Import Bank of the Republic of China (Taiwan). That is about EC$54 million at EC$2.70 = US$1: one facility, the same money in two currencies.

    For: low and middle income Saint Lucians to build or improve homes, and for climate-resilient housing infrastructure such as drainage, water storage and solar power.

    Where it stands: terms finalised November 2025. Signing announced by the Office of the Prime Minister in August 2026. The loan products, who is eligible and how to apply are not yet published. We update this page as the bank publishes details.

    Government of Saint Lucia · facility approved St Lucia Times · Nov 2025 how to apply · not yet published

That is the full list we can verify. If a scheme is not here, we could not source it. Corrections: methodology and contact.

NEXT STEPS

What to do next

  1. Check your number. The affordability page shows what home you can afford and the bank math behind it, in 60 seconds, in your browser.
  2. Get pre-approved. SLDB or your credit union tells you your real number in writing. Free, and it makes you a serious buyer.
  3. Never skip the lawyer's title check. It protects you. The EC$1,000 legal-fee help exists for exactly this.

Building instead of buying? See the build planner.