Helping citizens build their own homes with state-backed support.
The Aided Self-Help Housing Programme empowers citizens to take charge of their home construction with financial and technical assistance from the state. This initiative provides affordable homeownership solutions through subsidised mortgages, developed lots, and expert guidance, making the dream of owning a home a reality.
Affordable Financing
Access subsidised mortgages at 2% and 5% interest rates from the Trinidad and Tobago Mortgage Bank (TTMB).
Land & Home Construction Support
Get fully developed lots at 30% of market value (for applicants without land) and home construction assistance.
Flexible Home Design
Choose from pre-approved house plans or create your own.
Construction Guidance
Receive technical support and project oversight from the government.
Fast-Track Homeownership
Complete your home within two years with expert assistance.
Community Stability
Homes must be owner-occupied, ensuring long-term community sustainability.
Residents of Trinidad & Tobago (must be a citizen and resident).
Applicants aged 18 or older.
Household income qualifies for mortgage approval.
No prior housing subsidies received from MHUD.
For Applicants With Land
Use your land to build your home.
Access subsidised mortgages & construction support.
Choose from pre-approved plans or submit your own.
No prior housing subsidies received from MHUD.
For Applicants Without Land
Secure a fully developed lot at a reduced cost.
Obtain a subsidised mortgage for home construction.
Step 1: Confirm Your Eligibility
Ensure you meet the qualification criteria.
Step 2: Prepare Your Documents
Gather proof of identity, land ownership (if applicable), and financial information.
Step 3: Submit Your Application – Apply in person at:
Ministry of Housing and Urban Development
44-46 South Quay, Port of Spain
Monday – Friday | 8:00 AM – 3:00 PM
Start Your Homeownership Journey Today!
Take the first step toward owning your home with financial support and expert guidance.
Home Improvement Subsidy (HIS)
Matching subsidy of up to TT$20,000 for low-income home repairs and upgrades.
Home Improvement Grant Programme (HIG)
TT$15,000 grant to help qualifying citizens make essential home repairs.
Housing and Village Improvement Programme
Upgrades rural homes and village infrastructure through self-help and support.
