Home Repair Loans

Family growing? Time for repairs? Need to enlarge and modernise your home? Roof needs changing? With a NCCU loan you can do all these things and increase the value of your home.

And with our Mortgage Blast package you can get MORE -- a vehicle, furnishings and appliances all at a special interest rate.


Save Money!!!

  • Low interest rate on the reducing balance.
  • Purchasing solar water heaters retrofitting homes to install LED lamps. Interest rate of 6% per annum on the reducing balance.
  • No loan processing fees. No hidden charges. 

Peace of Mind

  • 100% financing. You can get the amount needed.
  • We can arrange affordable group homeowners insurance to protect your home, if needed


  • Up to 15 years to repay.


  • Up to $150,000 in loan protection coverage is offered at no cost to you. 


  • Legal matters are handled by our Legal Department.
  • Through a monthly standing order on salary, NCCU collects and then pays the annual premium on your homeowner's coverage.


Visit a Branch  or call for an appointment with a Loans Officer to get your application started. 

Items needed:

  • A minimum of 5% of the total amount of the loan requested. 
  • Detailed cost estimates (estimates of quantities).
  • Member Shares based on the amount of loan
  • For an extension to your house: Division of Planning approval and approved plans .
  • Employed persons--most recent pay-slip or salary statement from your employer.
  • Self-employed persons-- recent financial statements of business .
  • Current market valuation of property and the Certificate of Title, or copy, if not lodged with NCCU. 
  • Your NCCU passbook(s) and a vald photo identification (eg. Social Security card or passport or driver's licence).
  • Details of your liabilities and commitments (other loans, hire purchase, household expenses) for the application.
  • If the approved loan is $77,000 and upwards or you are 50 years and older, a medical examination by an approved medical doctor is necessary for loan protection coverage. 
  • Member Shares/Loans click here!


All loans are subject to NCCU’s Loan Policies and approval procedures

To find out details on what can be used as security click here.