Accepting New Clients
Unlock Your Caribbean Dream Home
Navigate the Curaçao mortgage market with confidence. We compare multiple banks and guide you every step of the way.
50+
Trusted by 50+ happy homeowners
//
Services
//
Services Tailored to Your Mortgage Needs
We simplify the lending process by offering clear guidance, trusted options, and personalized support — helping you secure the right mortgage with confidence.
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
//
Why Us
//
Why should you choose Caribbean Key?
We simplify the mortgage process by comparing lenders, securing the best available rates, and guiding you through each requirement — making financing your home in Curaçao easy, transparent, and stress-free.
0
0
%
Approval guidance success
0
0
+
Trusted lending partners
0
0
-12 days
Average pre-assessment time
0
0
⭐️
Client satisfaction
//
Benefits
//
Less Stress. More Confidence.
Get personalized mortgage support with clear guidance, transparent options, and a smooth path from consultation to approval.
Personalized Guidance
We help you choose the best mortgage option based on your goals and financial situation.
Fast Pre-Assessments
Quick but realistic evaluations so you know exactly what you can qualify for, no guesswork.
Access to Multiple Lenders
We compare rates and terms across trusted lending partners in Curaçao to find the best fit.
Clear Documentation Support
We guide you through every requirement so your application is complete, accurate, and stress-free.
Transparent Recommendations
No hidden agendas — just honest guidance designed to help you secure the right mortgage.
Smooth, End-to-End Process
From first inquiry to final approval, we handle the details so you can focus on your new home.
//
Our Process
//
How does it all work?
Our mortgage process is a simple 4 step process to make sure you get all you need, in the simplest and most stress-free way possible.
Initial Assessment & Intake
We review your income, goals, and documents to calculate a realistic mortgage estimate based on our lender requirements.
Conditional Approval & Requirements
The bank reviews your file and issues conditional approval. We guide you through fulfilling conditions such as insurance, appraisal, and proof of funds.
Application & Lender Selection
We help you choose the right lender, prepare your documents, and submit your mortgage application.
Final Approval & Closing
Once conditions are met, the bank issues final approval. The notary prepares the deed, and you complete the property transfer.
Worked with:
Worked with:
//
Clients
//
Why people choose to work with us.
Discover why homebuyers and investors choose our tailored guidance for a seamless mortgage experience in Curaçao.
4.9
Rating
Als verkoper van een woning weet ik hoe spannend en onzeker een verkooptraject soms kan zijn. Je hebt regelmatig te maken met kopers die nog afhankelijk zijn van de verkoop van hun eigen woning of waarbij de financiering nog rond moet komen. Juist daarom is het ontzettend prettig om iemand als Lotte betrokken te hebben.
Lotte is niet alleen een uitstekende hypotheekadviseur voor haar klanten, maar ook voor de verkopende partij een enorme steun. Vanaf het begin zorgt zij voor duidelijke communicatie, heldere verwachtingen en inzicht in de voortgang van het financieringstraject. Je weet precies waar je aan toe bent, welke stappen er nog moeten worden gezet en welke eventuele obstakels er spelen. Dat geeft rust en vertrouwen.
Wat Lotte daarnaast bijzonder maakt, is haar persoonlijke aanpak. Ze is deskundig, betrokken en altijd professioneel, maar bovenal een ontzettend prettig mens om mee samen te werken. Altijd positief, oplossingsgericht en met een aanstekelijk enthousiasme. Geen onnodig gedoe, geen stress of negativiteit, maar iemand die haar werk met plezier doet en daardoor iedereen om haar heen meeneemt in dat positieve gevoel.
Dankzij haar inzet en transparante communicatie verliep het traject soepel en wist ik als verkoper precies waar ik stond. Ik kan Lotte dan ook van harte aanbevelen aan zowel kopers als verkopers. Zij maakt het verschil.
Gert Koelewijn
Verkoper
5.0
Rating
Tijdens de aankoop van onze eerste vakantiewoning op Curaçao waren wij zoekende in het hypotheekproces. Op advies van onze makelaar kwamen we bij Lotte van Caribbean Key uit. Lotte heeft ons vanaf het eerste moment super geholpen, was altijd bereikbaar voor vragen en pakte alles snel én professioneel op. Het gehele proces hebben wij al enorm prettig ervaren en Lotte heeft de hypotheek binnen enkele weken rond kunnen krijgen, wat ons zelf absoluut niet gelukt was. Zelfs nadat de hypotheek rond was, bleef Lotte bereikbaar voor vragen en pakte ze alles met evenveel enthousiasme direct voor ons op. Ik zou iedereen dan ook adviseren om dit traject met behulp van Caribbean Key aan te gaan!
Luc Schoutrop
Vakantiewoning Koper
4.9
Rating
Working with Lotte was one of the best decisions I made during my home-buying journey. Purchasing a home from abroad can be an incredibly daunting and complex process, but Lotte was the strategic resource I needed every step of the way. From the very beginning, she went above and beyond to ensure I fully understood the mortgage process, patiently answering my questions and providing clear guidance throughout.
Her knowledge and expertise were exceptional, and she consistently demonstrated the highest level of professionalism. What truly set her apart was her outstanding communication—she kept me informed at every stage, was always responsive, and made what could have been a stressful experience feel manageable and seamless.
Lotte’s dedication, attention to detail, and commitment to her clients are second to none. I always felt confident knowing she was advocating for my best interests and helping me navigate such an important financial decision. I would recommend her services to everyone I know without hesitation. She is worth every penny and then some. If you’re looking for a mortgage broker who genuinely cares, delivers results, and exceeds expectations, Lotte is the person you want on your side.
Undria Saintil
Happy Client
4.9
Rating
I am writing to provide my strongest recommendation for Ms. Lotte Borgerink of Caribbean Keys. As a U.S. resident with no prior experience in purchasing property in the Caribbean, I initially found the process to be complex and challenging. Fortunately, I was referred to Caribbean Keys through a realtor, and Ms. Borgerink quickly proved to be an invaluable resource.
From the outset, she guided me through each stage of the transaction with professionalism, patience, and expertise. She not only assisted with navigating the mortgage process but also went above and beyond by connecting me with reliable professionals, including a termite inspector and an insurance provider. Her diligence, knowledge, and commitment to client support ensured that the purchase was handled smoothly and successfully.
I would not hesitate to recommend her services to anyone seeking to purchase property in the Caribbean.
—
Certified Property Manager
5.0
Rating
Beloved Lotte, Onze dank is groot. Vanaf het eerste moment voelden wij een gezegende klik met jou. Dank je wel voor jouw dienstbaarheid, jouw liefde, tijd, geduld en jouw aanstekelijke vrolijkheid. Wij wensen jou Gods Zegen in alles wat jij onderneemt.
Mashi Danki
Tevreden Cliënt
5.0
Rating
"Their guidance gave us confidence. They handled all the details and kept us updated, which made the whole experience worry-free."
Natalie V.
Homebuyer
//
FAQs
//
Questions & answers.
There are some common misconceptions about the mortgage space in Curaçao.
What documents do I need to get started with a mortgage in Curaçao?
Most clients only need a few basics to begin: passport, proof of address, income documents, and recent bank statements. We provide a personalized checklist based on your situation — local income, foreign income, rental income, or self-employment — so you always know exactly what to prepare.
Can I qualify using foreign or mixed income?
How much can I borrow for a home in Curaçao?
How long does the mortgage approval process usually take?
Do banks in Curaçao offer different mortgage terms?
What down payment should I plan for?
Can any property be financed?
Do I need a lawyer for the property transfer?
Do I need to be physically present on Curaçao?
Not necessarily. Many parts of the process can be completed remotely. If you cannot be present for closing, a power of attorney can often be arranged through a notary.
Can I obtain a mortgage pre-approval before finding a property?
Yes. Caribbean Key Mortgages can help you obtain an income-based pre-approval or financing indication. This gives you a clear understanding of your budget and strengthens your position when making an offer.
What are current mortgage interest rates on Curaçao?
Mortgage interest rates on Curaçao vary depending on the lender, residency status, loan-to-value ratio and overall financial profile of the borrower.
In recent years, rates have typically ranged between 4.75% and 6%. As an independent mortgage broker, Caribbean Key Mortgages compares multiple lenders to help you secure the most competitive rate and terms available for your situation.
We are happy to provide a personalized indication based on your financial profile and financing requirements.
//
Contact
//
Start your home ownership journey today!
Got questions or ready to start the process? Let’s turn your dreams to reality!
Email Us
Contact us via email for any information
Email Us
Contact us via email for any information
Email Us
Contact us via email for any information
Call Us or Message Us On WhatsApp
Get immediate help or any information.
Call Us or Message Us On WhatsApp
Get immediate help or any information.
Call Us or Message Us On WhatsApp
Get immediate help or any information.
You can find us on instagram
You can find us on instagram
You can find us on instagram
You can find us on Facebook
You can find us on Facebook
You can find us on Facebook
Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)
Accepting New Clients
Unlock Your Caribbean Dream Home
Navigate the Curaçao mortgage market with confidence. We compare multiple banks and guide you every step of the way.
50+
Trusted by 50+ happy homeowners
//
Services
//
Services Tailored to Your Mortgage Needs
We simplify the lending process by offering clear guidance, trusted options, and personalized support — helping you secure the right mortgage with confidence.
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
//
Why Us
//
Why should you choose Caribbean Key?
We simplify the mortgage process by comparing lenders, securing the best available rates, and guiding you through each requirement — making financing your home in Curaçao easy, transparent, and stress-free.
0
0
%
Approval guidance success
0
0
+
Trusted lending partners
0
0
-12 days
Average pre-assessment time
0
0
⭐️
Client satisfaction
//
Benefits
//
Less Stress. More Confidence.
Get personalized mortgage support with clear guidance, transparent options, and a smooth path from consultation to approval.
Personalized Guidance
We help you choose the best mortgage option based on your goals and financial situation.
Fast Pre-Assessments
Quick but realistic evaluations so you know exactly what you can qualify for, no guesswork.
Access to Multiple Lenders
We compare rates and terms across trusted lending partners in Curaçao to find the best fit.
Clear Documentation Support
We guide you through every requirement so your application is complete, accurate, and stress-free.
Transparent Recommendations
No hidden agendas — just honest guidance designed to help you secure the right mortgage.
Smooth, End-to-End Process
From first inquiry to final approval, we handle the details so you can focus on your new home.
//
Our Process
//
How does it all work?
Our mortgage process is a simple 4 step process to make sure you get all you need, in the simplest and most stress-free way possible.
Initial Assessment & Intake
We review your income, goals, and documents to calculate a realistic mortgage estimate based on our lender requirements.
Conditional Approval & Requirements
The bank reviews your file and issues conditional approval. We guide you through fulfilling conditions such as insurance, appraisal, and proof of funds.
Application & Lender Selection
We help you choose the right lender, prepare your documents, and submit your mortgage application.
Final Approval & Closing
Once conditions are met, the bank issues final approval. The notary prepares the deed, and you complete the property transfer.
Worked with:
Worked with:
//
Clients
//
Why people choose to work with us.
Discover why homebuyers and investors choose our tailored guidance for a seamless mortgage experience in Curaçao.
4.9
Rating
Als verkoper van een woning weet ik hoe spannend en onzeker een verkooptraject soms kan zijn. Je hebt regelmatig te maken met kopers die nog afhankelijk zijn van de verkoop van hun eigen woning of waarbij de financiering nog rond moet komen. Juist daarom is het ontzettend prettig om iemand als Lotte betrokken te hebben.
Lotte is niet alleen een uitstekende hypotheekadviseur voor haar klanten, maar ook voor de verkopende partij een enorme steun. Vanaf het begin zorgt zij voor duidelijke communicatie, heldere verwachtingen en inzicht in de voortgang van het financieringstraject. Je weet precies waar je aan toe bent, welke stappen er nog moeten worden gezet en welke eventuele obstakels er spelen. Dat geeft rust en vertrouwen.
Wat Lotte daarnaast bijzonder maakt, is haar persoonlijke aanpak. Ze is deskundig, betrokken en altijd professioneel, maar bovenal een ontzettend prettig mens om mee samen te werken. Altijd positief, oplossingsgericht en met een aanstekelijk enthousiasme. Geen onnodig gedoe, geen stress of negativiteit, maar iemand die haar werk met plezier doet en daardoor iedereen om haar heen meeneemt in dat positieve gevoel.
Dankzij haar inzet en transparante communicatie verliep het traject soepel en wist ik als verkoper precies waar ik stond. Ik kan Lotte dan ook van harte aanbevelen aan zowel kopers als verkopers. Zij maakt het verschil.
Gert Koelewijn
Verkoper
5.0
Rating
Tijdens de aankoop van onze eerste vakantiewoning op Curaçao waren wij zoekende in het hypotheekproces. Op advies van onze makelaar kwamen we bij Lotte van Caribbean Key uit. Lotte heeft ons vanaf het eerste moment super geholpen, was altijd bereikbaar voor vragen en pakte alles snel én professioneel op. Het gehele proces hebben wij al enorm prettig ervaren en Lotte heeft de hypotheek binnen enkele weken rond kunnen krijgen, wat ons zelf absoluut niet gelukt was. Zelfs nadat de hypotheek rond was, bleef Lotte bereikbaar voor vragen en pakte ze alles met evenveel enthousiasme direct voor ons op. Ik zou iedereen dan ook adviseren om dit traject met behulp van Caribbean Key aan te gaan!
Luc Schoutrop
Vakantiewoning Koper
4.9
Rating
Working with Lotte was one of the best decisions I made during my home-buying journey. Purchasing a home from abroad can be an incredibly daunting and complex process, but Lotte was the strategic resource I needed every step of the way. From the very beginning, she went above and beyond to ensure I fully understood the mortgage process, patiently answering my questions and providing clear guidance throughout.
Her knowledge and expertise were exceptional, and she consistently demonstrated the highest level of professionalism. What truly set her apart was her outstanding communication—she kept me informed at every stage, was always responsive, and made what could have been a stressful experience feel manageable and seamless.
Lotte’s dedication, attention to detail, and commitment to her clients are second to none. I always felt confident knowing she was advocating for my best interests and helping me navigate such an important financial decision. I would recommend her services to everyone I know without hesitation. She is worth every penny and then some. If you’re looking for a mortgage broker who genuinely cares, delivers results, and exceeds expectations, Lotte is the person you want on your side.
Undria Saintil
Happy Client
4.9
Rating
I am writing to provide my strongest recommendation for Ms. Lotte Borgerink of Caribbean Keys. As a U.S. resident with no prior experience in purchasing property in the Caribbean, I initially found the process to be complex and challenging. Fortunately, I was referred to Caribbean Keys through a realtor, and Ms. Borgerink quickly proved to be an invaluable resource.
From the outset, she guided me through each stage of the transaction with professionalism, patience, and expertise. She not only assisted with navigating the mortgage process but also went above and beyond by connecting me with reliable professionals, including a termite inspector and an insurance provider. Her diligence, knowledge, and commitment to client support ensured that the purchase was handled smoothly and successfully.
I would not hesitate to recommend her services to anyone seeking to purchase property in the Caribbean.
—
Certified Property Manager
5.0
Rating
Beloved Lotte, Onze dank is groot. Vanaf het eerste moment voelden wij een gezegende klik met jou. Dank je wel voor jouw dienstbaarheid, jouw liefde, tijd, geduld en jouw aanstekelijke vrolijkheid. Wij wensen jou Gods Zegen in alles wat jij onderneemt.
Mashi Danki
Tevreden Cliënt
5.0
Rating
"Their guidance gave us confidence. They handled all the details and kept us updated, which made the whole experience worry-free."
Natalie V.
Homebuyer
//
FAQs
//
Questions & answers.
There are some common misconceptions about the mortgage space in Curaçao.
What documents do I need to get started with a mortgage in Curaçao?
Most clients only need a few basics to begin: passport, proof of address, income documents, and recent bank statements. We provide a personalized checklist based on your situation — local income, foreign income, rental income, or self-employment — so you always know exactly what to prepare.
Can I qualify using foreign or mixed income?
How much can I borrow for a home in Curaçao?
How long does the mortgage approval process usually take?
Do banks in Curaçao offer different mortgage terms?
What down payment should I plan for?
Can any property be financed?
Do I need a lawyer for the property transfer?
Do I need to be physically present on Curaçao?
Not necessarily. Many parts of the process can be completed remotely. If you cannot be present for closing, a power of attorney can often be arranged through a notary.
Can I obtain a mortgage pre-approval before finding a property?
Yes. Caribbean Key Mortgages can help you obtain an income-based pre-approval or financing indication. This gives you a clear understanding of your budget and strengthens your position when making an offer.
What are current mortgage interest rates on Curaçao?
Mortgage interest rates on Curaçao vary depending on the lender, residency status, loan-to-value ratio and overall financial profile of the borrower.
In recent years, rates have typically ranged between 4.75% and 6%. As an independent mortgage broker, Caribbean Key Mortgages compares multiple lenders to help you secure the most competitive rate and terms available for your situation.
We are happy to provide a personalized indication based on your financial profile and financing requirements.
//
Contact
//
Start your home ownership journey today!
Got questions or ready to start the process? Let’s turn your dreams to reality!
Email Us
Contact us via email for any information
Email Us
Contact us via email for any information
Email Us
Contact us via email for any information
Call Us or Message Us On WhatsApp
Get immediate help or any information.
Call Us or Message Us On WhatsApp
Get immediate help or any information.
Call Us or Message Us On WhatsApp
Get immediate help or any information.
You can find us on instagram
You can find us on instagram
You can find us on instagram
You can find us on Facebook
You can find us on Facebook
You can find us on Facebook
Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)
Accepting New Clients
Unlock Your Caribbean Dream Home
Navigate the Curaçao mortgage market with confidence. We compare multiple banks and guide you every step of the way.
50+
Trusted by 50+ happy homeowners
//
Services
//
Services Tailored to Your Mortgage Needs
We simplify the lending process by offering clear guidance, trusted options, and personalized support — helping you secure the right mortgage with confidence.
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Mortgage Pre-Assessment
Get a fast, accurate estimate of how much you can borrow — factoring in income, rental income (where applicable), foreign income, and local bank rules.
Quick Evaluation
Financial Snapshot
Eligibility Check
Pre-Qualification
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Home Purchase Mortgages
Secure the right financing for your new home, whether you're a first-time buyer, upgrading, foreign investor or relocating to Curaçao.
Multiple Lenders
Competitive Rates
Personalized Options
Local Expertise
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Refinancing & Equity Release
Want to refinance? Need to access equity or restructure? We’ll review your current mortgage, propose better options, and guide you through the refinancing process under Curaçao’s banking rules.
Lower Rates
Equity Access
Loan Term Options
Payment Optimization
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
Mortgage Advice & Planning
Unsure which mortgage product fits your goals? Get clear, personalized guidance to help you make confident decisions.
One-on-One Support
Step-by-Step Guidance
Clear Explanations
Expert Planning
//
Why Us
//
Why should you choose Caribbean Key?
We simplify the mortgage process by comparing lenders, securing the best available rates, and guiding you through each requirement — making financing your home in Curaçao easy, transparent, and stress-free.
0
0
%
Approval guidance success
0
0
+
Trusted lending partners
0
0
-12 days
Average pre-assessment time
0
0
⭐️
Client satisfaction
//
Benefits
//
Less Stress. More Confidence.
Get personalized mortgage support with clear guidance, transparent options, and a smooth path from consultation to approval.
Personalized Guidance
We help you choose the best mortgage option based on your goals and financial situation.
Fast Pre-Assessments
Quick but realistic evaluations so you know exactly what you can qualify for, no guesswork.
Access to Multiple Lenders
We compare rates and terms across trusted lending partners in Curaçao to find the best fit.
Clear Documentation Support
We guide you through every requirement so your application is complete, accurate, and stress-free.
Transparent Recommendations
No hidden agendas — just honest guidance designed to help you secure the right mortgage.
Smooth, End-to-End Process
From first inquiry to final approval, we handle the details so you can focus on your new home.
//
Our Process
//
How does it all work?
Our mortgage process is a simple 4 step process to make sure you get all you need, in the simplest and most stress-free way possible.
Initial Assessment & Intake
We review your income, goals, and documents to calculate a realistic mortgage estimate based on our lender requirements.
Conditional Approval & Requirements
The bank reviews your file and issues conditional approval. We guide you through fulfilling conditions such as insurance, appraisal, and proof of funds.
Application & Lender Selection
We help you choose the right lender, prepare your documents, and submit your mortgage application.
Final Approval & Closing
Once conditions are met, the bank issues final approval. The notary prepares the deed, and you complete the property transfer.
Worked with:
Worked with:
//
Clients
//
Why people choose to work with us.
Discover why homebuyers and investors choose our tailored guidance for a seamless mortgage experience in Curaçao.
4.9
Rating
Als verkoper van een woning weet ik hoe spannend en onzeker een verkooptraject soms kan zijn. Je hebt regelmatig te maken met kopers die nog afhankelijk zijn van de verkoop van hun eigen woning of waarbij de financiering nog rond moet komen. Juist daarom is het ontzettend prettig om iemand als Lotte betrokken te hebben.
Lotte is niet alleen een uitstekende hypotheekadviseur voor haar klanten, maar ook voor de verkopende partij een enorme steun. Vanaf het begin zorgt zij voor duidelijke communicatie, heldere verwachtingen en inzicht in de voortgang van het financieringstraject. Je weet precies waar je aan toe bent, welke stappen er nog moeten worden gezet en welke eventuele obstakels er spelen. Dat geeft rust en vertrouwen.
Wat Lotte daarnaast bijzonder maakt, is haar persoonlijke aanpak. Ze is deskundig, betrokken en altijd professioneel, maar bovenal een ontzettend prettig mens om mee samen te werken. Altijd positief, oplossingsgericht en met een aanstekelijk enthousiasme. Geen onnodig gedoe, geen stress of negativiteit, maar iemand die haar werk met plezier doet en daardoor iedereen om haar heen meeneemt in dat positieve gevoel.
Dankzij haar inzet en transparante communicatie verliep het traject soepel en wist ik als verkoper precies waar ik stond. Ik kan Lotte dan ook van harte aanbevelen aan zowel kopers als verkopers. Zij maakt het verschil.
Gert Koelewijn
Verkoper
5.0
Rating
Tijdens de aankoop van onze eerste vakantiewoning op Curaçao waren wij zoekende in het hypotheekproces. Op advies van onze makelaar kwamen we bij Lotte van Caribbean Key uit. Lotte heeft ons vanaf het eerste moment super geholpen, was altijd bereikbaar voor vragen en pakte alles snel én professioneel op. Het gehele proces hebben wij al enorm prettig ervaren en Lotte heeft de hypotheek binnen enkele weken rond kunnen krijgen, wat ons zelf absoluut niet gelukt was. Zelfs nadat de hypotheek rond was, bleef Lotte bereikbaar voor vragen en pakte ze alles met evenveel enthousiasme direct voor ons op. Ik zou iedereen dan ook adviseren om dit traject met behulp van Caribbean Key aan te gaan!
Luc Schoutrop
Vakantiewoning Koper
4.9
Rating
Working with Lotte was one of the best decisions I made during my home-buying journey. Purchasing a home from abroad can be an incredibly daunting and complex process, but Lotte was the strategic resource I needed every step of the way. From the very beginning, she went above and beyond to ensure I fully understood the mortgage process, patiently answering my questions and providing clear guidance throughout.
Her knowledge and expertise were exceptional, and she consistently demonstrated the highest level of professionalism. What truly set her apart was her outstanding communication—she kept me informed at every stage, was always responsive, and made what could have been a stressful experience feel manageable and seamless.
Lotte’s dedication, attention to detail, and commitment to her clients are second to none. I always felt confident knowing she was advocating for my best interests and helping me navigate such an important financial decision. I would recommend her services to everyone I know without hesitation. She is worth every penny and then some. If you’re looking for a mortgage broker who genuinely cares, delivers results, and exceeds expectations, Lotte is the person you want on your side.
Undria Saintil
Happy Client
4.9
Rating
I am writing to provide my strongest recommendation for Ms. Lotte Borgerink of Caribbean Keys. As a U.S. resident with no prior experience in purchasing property in the Caribbean, I initially found the process to be complex and challenging. Fortunately, I was referred to Caribbean Keys through a realtor, and Ms. Borgerink quickly proved to be an invaluable resource.
From the outset, she guided me through each stage of the transaction with professionalism, patience, and expertise. She not only assisted with navigating the mortgage process but also went above and beyond by connecting me with reliable professionals, including a termite inspector and an insurance provider. Her diligence, knowledge, and commitment to client support ensured that the purchase was handled smoothly and successfully.
I would not hesitate to recommend her services to anyone seeking to purchase property in the Caribbean.
—
Certified Property Manager
5.0
Rating
Beloved Lotte, Onze dank is groot. Vanaf het eerste moment voelden wij een gezegende klik met jou. Dank je wel voor jouw dienstbaarheid, jouw liefde, tijd, geduld en jouw aanstekelijke vrolijkheid. Wij wensen jou Gods Zegen in alles wat jij onderneemt.
Mashi Danki
Tevreden Cliënt
5.0
Rating
"Their guidance gave us confidence. They handled all the details and kept us updated, which made the whole experience worry-free."
Natalie V.
Homebuyer
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FAQs
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Questions & answers.
There are some common misconceptions about the mortgage space in Curaçao.
What documents do I need to get started with a mortgage in Curaçao?
Most clients only need a few basics to begin: passport, proof of address, income documents, and recent bank statements. We provide a personalized checklist based on your situation — local income, foreign income, rental income, or self-employment — so you always know exactly what to prepare.
Can I qualify using foreign or mixed income?
How much can I borrow for a home in Curaçao?
How long does the mortgage approval process usually take?
Do banks in Curaçao offer different mortgage terms?
What down payment should I plan for?
Can any property be financed?
Do I need a lawyer for the property transfer?
Do I need to be physically present on Curaçao?
Not necessarily. Many parts of the process can be completed remotely. If you cannot be present for closing, a power of attorney can often be arranged through a notary.
Can I obtain a mortgage pre-approval before finding a property?
Yes. Caribbean Key Mortgages can help you obtain an income-based pre-approval or financing indication. This gives you a clear understanding of your budget and strengthens your position when making an offer.
What are current mortgage interest rates on Curaçao?
Mortgage interest rates on Curaçao vary depending on the lender, residency status, loan-to-value ratio and overall financial profile of the borrower.
In recent years, rates have typically ranged between 4.75% and 6%. As an independent mortgage broker, Caribbean Key Mortgages compares multiple lenders to help you secure the most competitive rate and terms available for your situation.
We are happy to provide a personalized indication based on your financial profile and financing requirements.
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Contact
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Start your home ownership journey today!
Got questions or ready to start the process? Let’s turn your dreams to reality!
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Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)
Office Hours:
09:00 — 16:00 (by appointment recommended)