1. Up to $200,000 free content insurance from NEM
2. Free ATM use at all Multilink ATM and POS terminals
3. 20% Discount on membership fees from JAA
4. 5% Discount on Motor Insurance from NEM
5. Discounts from local and international hotels, spas, stores and other merchants

• Agreement for Sale - duly completed & Deposit Receipt
• Photocopy of Certificate of Title
• Valuation Report on property done by JN approved Valuer
• Income Verification Letter(s) from employer(s) and last two pay slips.
• If Self-employed, Statement of Income is required (for Guarantor)
• Proof of Age (Passport, Driver's Licence, Birth Certificate or National ID)
• Commissioned Land Surveyor's Identification Report
• Up-to-date Property Tax Certificate
• Closing costs for the mortgage is to be lodged to savings account - approximately 5-6% of loan amount
• Application Cost (where applicable)
• Written confirmation of existing loan(s)
• Tax Registration Numbers (TRN)

For Construction:

1. Approved Building Plan (where applicable, i.e., if the building will be located within town limits)
2. Quantity Surveyor's Report (Bill of quantities)

For Strata Properties (Complexes):

1. Letter from Strata Corporation confirming that property maintenance is up-to-date
2. Water Receipts
3. Proof of strata insurance

For Company Applications (where the company is the borrower):

1. Articles of Incorporation
2. Resolution to Borrow
3. Current Audited Financial Statements (Last Three Years)
4. Cash Flow Projections
5. Tax Compliance Certificate