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FamGuard is well positioned to exceed our customers’ expectations through our highly skilled and talented work force, our solid financial base, our trusted brand, our footprint throughout The Bahamas and our continued investment in technology. Glen O. A. Ritchie, CPAPresident, Family Guardian Insurance

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Frequently Asked Questions

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Mortgage payments should not exceed 35% of your monthly income, and overall debt payments (including the proposed mortgage) should not exceed 45%.  You must have satisfactory references from your banking institution and meet the requirements for dep...
For first-time property purchases, the requirement is 5% minimum of the price.  If you are not a first-time purchaser, the deposit is 20% of the purchase price.
Closing costs vary depending on the purchase price and loan amount.  It is recommended that you consult with our mortgage department to get a best estimate of closing costs as they are required to be paid out of pocket.
If you are seeking 95% financing, you are responsible for the closing fees out of pocket.  They cannot be financed with the mortgage.  If you are seeking an equity loan or consolidation of debts, we can request financing to include closing costs pr...
If you are seeking 95% financing,  we do not consolidate external loan facilities.
Upon receipt of all of the requirements for the mortgage application, a reply can be provided within 7 to 10 working days.
Family Guardian does not provide financial assistance to siblings or parents as co-applicants.  Please consult further with a mortgage representative for more information.
Firstly, you must have your Family Guardian account  information, i.e. policy number, mutual fund number, mortgage account number, etc.  Secondly, if you bank with RBC, CB, or Scotiabank, just call your personal banker to set you up for online bank...
We allow one business day for credit to your account.
Yes, it is possible.  A pre-authorized form must be completed in person.  A valid government approved ID will be needed along with your credit/debit card.
Yes, it is possible.
Upon receipt of the deduction, there is a 48-hour turnaround time for processing.
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