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“These products are designed to open doors… inclusivity is imbedded in the way we structure solutions for families, professionals and entrepreneurs.
“‘S/HE’ is designed to empower women across generations by ensuring secure access to homeownership and creating legacies of stability and opportunity.
“TTMB’s leadership in gender inclusivity was recognized
internationally when we received the Social Bond of the Year – Deal of the Year Award in the Latin America Caribbean Region.
“This award was not simply about financial innovation, it was about social impact. It affirmed that TTMB is pioneering solutions that change lives… it’s about possibilities, empowerment and progress for every citizen of Trinidad and Tobago.”
“Today we are not only unveiling new products, we are celebrating the power of vision and collaboration…
“As we continue to reach out to find innovative ways to accommodate affordable housing which aligns with the country’s sustainable development housing growth…
“That empower citizens to own their future…
“The gender focused social bond designed to help women avoid housing insecurity.
“In our culture, leaving something behind is vital… a deed to a house provides a safety net for the next generation.
“And let us not forget the broader economic impact, every Mortgage facilitated contributes to construction and investment, it fuels jobs, strengthen industries and builds communities.
“In doing so, TTMB is not simply participating in the economy but helping to shape it… realities that transform lives.”
“Why we did this… the dream of homeownership seems to be, for persons, out of their reach, we are targeting the financing of it, the more vulnerable people”
“Personalised Mortgage Pricing… it is not a one size fits all… Based on your financial discipline, you can achieve a rate that is more suitable to you… encourages savings so that you can enjoy personalized, more affordable rates.
“OMG, own, make and grow… it speaks about you owning your home, making your money work for you by having that Investment, and growing your wealth overall… as your mortgage reduces, you grow.”
“S/HE targets women or women-led households, encourages Generational wealth, you can include a close family member and go up to 40 years in your mortgage term which makes the Rate and the instalment more affordable.”
“As circumstances increase, you can make payments to the Mortgage, no penalty… encourages inter-generational ownership, wealth creation.”
“S/HE includes HE so it’s not that they are excluded.”
“Longer term, lower rates… that’s the game.”
“We went and we listened… focus groups… different areas… this is a product that has come out of that.”
“We signed on the women empowerment principle back in 2024 and this product [S/HE] is the next step for us to advance that principle.”
”On behalf of IDB Invest, I was the lead researcher on women in the mortgage market in Trinidad and Tobago.”
“We used focus groups throughout Trinidad and Tobago. We met women from just about every walk of life… as different as we think we are, the stories were the same.”
“More than 80% of the women who came to the focus groups were from female led households. In the online survey, the percentages were similar.”
“S/HE is a fantastic product because it bears in mind the real, lived experience of women… not the least of which is qualifying for a mortgage as a single woman.”
“The other aspect is the multigenerational, sometimes you are starting out with one of your children, at older ages and we saw that a lot.”
“I love the idea that financial literacy is going to the schools, we don’t talk mortgages at age 18 or 25, we start at over 30, 35.”
“The women’s mortgage market is a substantial part.”
“It doesn’t eliminate the male, it supports a group who are disadvantaged in the society, I think it’s going to be epic.
“A social bond with gender focus advancing home ownership in Trinidad and Tobago.”
“Working with TTMB to catalyse access to financing to afford women, the population at large the opportunity of homeownership.”
Governed by local law, entirely a local transaction.”
“S/HE is truly a marquee transaction, not just for Trinidad and Tobago but across the region… to essentially provide financing to communities.”
“It is very well times in the national landscape of Trinidad and Tobago.”
“The energy and the atmosphere in the room was absolutely Electric.”
“The concern around domestic violence in the country and to really use financing as a catalyst to essentially safeguard not just women but families as well.”
“To hear the groundswell of response and acceptance particularly by women but more so by the national community tot his product is absolutely rewarding, not just to me personally but all of Trinidad and Tobago.”
“SHE, secured home ownership for every generation a product designed with women in mind and one with flexibility to reflect, the cultural and economic realities of multigenerational households.”
“A flagship product… leadership in inclusive finance… meeting urgent underserved market needs.”
“The initiative emerges directly from the commitment associated with our $550,000 million social bond provided by IDB Invest… part of the conditions of the social bond was the exploration of a dedicated gender-focused facility.”
“The first social bond in the region with an explicit gender alliance aimed at expanding access to mortgage financing for women owned and women led households, particularly first time homeowners..”
“A study was commissioned by IDB Invest was led by The Leadership Experience which undertook extensive gender-focused market research and analysed the unique needs and opportunities within Trinidad and Tobago’s women’s mortgage market.”
“…Primary aim to improve access …to women experiencing significant social vulnerability.”
“Female led households are faced with different challenges when accessing mortgage financing despite demonstrating strong financial resilience, longer life expectancy and the central role if family economics.”
“An innovative solution that positions the mortgage as a symbol of dignity, stability and generational pride… celebrates the power of women collaborating to uplift their families.”
“OMG Mortgages represent a strategic inflection for TTMB with capabilities across development financing, residential mortgage lending and investment products. Rather than operating these functions in silos, OMG intentionally brings them together in a single, cohesive offering.“
“The more the customer invests and maintains consitently, the lower their mortgage rate becomes.”
“OMG, own, make, grow… a new kind of mortgage that combines investment opportunities with preferential rates in which you ’own’—home ownership, ‘make’—generation of interest from investing in HMB mutual funds, and ‘grow’, the ultimate customer goal in achieving generational wealth.”
“As the customer maintains disciplined investment behaviour, they benefit from preferential interest rates. The return to the customer is two-fold, investment returns and reduced borrowing costs. This transforms homeownership from purely a transactional decision into a strategic financial choice.”
“Customers are no longer just servicing debt. They are building assets and wealth at the same time.”
“Personalised Mortgage Pricing … aligning mortgages rates more closely with actual borrower behaviour. This shift is about inclusion, transparency, rewarding responsible financial behaviour while continuing to widen access to homeownership.”
“A smarter, data-driven way to price mortgages that reflects the individual.
Customers who demonstrate consistency and reliability over time, are positioned to benefit from morecompetitive outcomes.
“Pricing that customers can trust to reflect their individual circumstances… not measures of personality, not social standing, not your income alone. Importantly, these indicators are dynamic, as financial behaviour improves, so can outcomes.”
“Progress is possible, and improvement is recognized. Interest rates are subject to periodic review.”
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