● Private mortgage advisory · St James, Barbados
Private Mortgage Advisory for Barbados Property Buyers
Understand your financing options before beginning your Barbados property search.
Sherryann Bourne, FCCA, CIA, CMC
Founder & CEO · Former private banker
FCCA · CIA · CMC
Professional designations
20+ years
Banking experience
Private assessment
Where are you in your property journey?
Years of banking experience
High-net-worth banking relationships
Designations: FCCA, CIA, CMC
USD & BBD
Local and foreign-currency options
● Meet your adviser
The experience of a former private banker, working for you
Sherryann Bourne brings more than 20 years of banking experience to clients in Barbados. As a former private banker, she managed a portfolio of approximately 150 high-net-worth banking relationships.
FCCA
Fellow Chartered Certified Accountant
CIA
Certified Internal Auditor
CMC
Certified Management Consultant
20+
years of banking experience
~150
high-net-worth banking relationships
“I specialise in structuring mortgage and real asset solutions for high-net-worth individuals, families and global investors who want clarity, discretion and long-term value in Barbados and beyond.”
● Mortgage services
Six specialist services, one trusted adviser
Lenders look at each type of purchase differently, so start with the service closest to your situation.
Homes, investment & commercial
Residential & Commercial Mortgage Financing
From a family home to an income-producing building, with your application presented to the right lenders.
Existing Barbados owners
Refinancing & Equity Solutions
Release equity for a renovation or new investment, or move to a loan that suits you better.
● Barbados property finance readiness
Five steps from first conversation to a confident offer
A clear path for buyers in Barbados and overseas, starting well before your property search.
01
Discovery
We talk through your goals, timeline and residency, and the type of property you have in mind.
- Overseas? We meet by Zoom or WhatsApp, wherever you are.
02
Financial profile review
We review your income, assets, currency and credit the way a Barbados lender will see them.
- We list the documents you need from your home country.
03
Lender & structure strategy
We identify the lenders that suit your profile and agree a realistic deposit, term and borrowing currency.
- Your borrowing currency is matched to your income.
04
Prequalification
You receive a clear, realistic budget, so you can view and negotiate as a prepared buyer.
- Know your budget before you fly in.
05
Application & completion
We prepare a strong application, deal with the lender and work with your attorney through to closing.
- Handled remotely where needed.
● 60-second readiness check
How lender-ready are you?
Five quick questions, an instant result and no email needed to see it.
● The advisory process
A clear engagement, with no surprises
Most clients start here
01 · Introductory Consultation
Complimentary
20 minutes · Zoom, WhatsApp, phone or in person
- High-level discussion of your property plans
- Overview of mortgage and financing options in Barbados
- Guidance on whether a full planning session is recommended
02 · Mortgage Planning Consultation
US$150
1 hour
- Review of your financial position
- Property budget and affordability
- Lender requirements and timelines
- Strategic guidance before you apply
03 · Commercial & Specialist Advisory
Custom
Quoted by scope
- Strategic funding advisory
- Engagement with multiple banks and institutions on your behalf
- Commercial, investment or complex transactions
What we do
We assess your finances the way lenders will, approach banks and other institutions on your behalf and manage your application through to completion.
What to know
We are an advisory firm, not a lender, so every mortgage is subject to the lender’s approval and valuation. Standard brokerage often comes at no direct cost to you, and any fee is agreed in writing first.
● For international buyers
Buying in Barbados from overseas? Start with your financing.
01
Know your real budget
Lending criteria for non-residents differ from those at home, especially for deposits and documents.
02
Negotiate as a prepared buyer
Sellers and agents take prequalified buyers more seriously, and you can move quickly when you find the right home.
03
Avoid costly surprises
Currency, the registration of your funds and lender timelines are all planned before you commit.
USA
United States
- Income shown through tax returns, W-2s or 1099s
- A USD mortgage may avoid a currency mismatch
- Remote consultations on Eastern time
CAN
Canada
- Income shown through T4s and Notices of Assessment
- USD and BBD options compared against your CAD income
- Help with registering funds and closing
UK
United Kingdom
- Income shown through payslips, P60s or SA302s
- Your GBP income weighed against USD or BBD borrowing
- Consultations in UK evenings
INTL
Other markets
- Requirements explained for the country you live in
- Foreign-currency options explored where available
- Fully remote advice by Zoom and WhatsApp
Freehold ownership
Non-residents can generally buy Barbados property freehold.
Stable currency
The Barbados dollar is pegged at BBD 2 to USD 1.
Register your funds
Registering foreign funds with the Central Bank lets you repatriate them later.
Fully remote advice
Zoom and WhatsApp consultations, arranged around your working day.
● How we help
Typical situations, handled privately
We only share client stories with permission, and always anonymously. These examples show the kinds of situation we advise on.
Non-resident · West Coast
Overseas couple buying a holiday villa
Situation
A couple living in Canada, earning in CAD, planned to view West Coast villas on a short trip.
Approach
We agreed their budget, deposit and currency options by Zoom before they travelled, and listed the documents they needed from their Canadian paperwork.
Result
They viewed homes within a realistic price range and made an offer as prepared buyers.
- Example scenario · replace with approved case study
Private client
Business owner with complex income
Situation
A business owner drew income through a company and held investments in more than one currency.
Approach
We presented the accounts and each source of income the way lenders assess them, then approached suitable lenders.
Result
A clear application, with lenders’ questions answered before they could slow the process.
- Example scenario · replace with approved case study
Refinancing
Local owner releasing equity to renovate
Situation
A homeowner with an existing Barbados mortgage was planning a significant renovation.
Approach
We reviewed the current terms and compared the cost of switching with the options for releasing equity.
Result
A recommendation based on the full cost, not just the headline rate.
- Example scenario · replace with approved case study
● Recommendations
What clients and partners say
Recommendations Sherryann has received on LinkedIn from clients and real estate professionals.
“
When it comes to navigating financing in Barbados I would readily refer clients to Sherryann Bourne. With her strong professional credentials and a deep knowledge of both the local and international buyer market, she brings confidence to what can otherwise be seen as a complex process.
LJ
Leandra Jones
Real Estate Agent & Advisor, Barbados
Referral partner · 2025
“
She goes way beyond the call of duty every time… I cannot praise her enough for her ability to communicate clearly and explain the nuances of the way things are done in Barbados when questions arise. Her response time is also a bright spot.
BP
Bruce Poon Tip OC
Owner, G Adventures
Client · 2022
“
She is thorough, responsive, patient and detail oriented. Essentially everything you would want as a purchaser seeking financing for your dream property… I will always recommend Sherryann, as I know my clients are always in good hands with her.
RM
Rosey McCartney
Real Estate Agent, Terra Caribbean & Terra Luxury
Referral partner · 2021
“
It was obvious to me that she was a very competent and knowledgeable financial advisor, who was very comfortable within her area of expertise… She is a keen listener, an eloquent speaker, and one with whom I immediately felt inclined to enter into a business relationship.
DN
Dale Neblett-Brown QC
Principal, DNB Associates
Client · 2018
“
Amazing service, great communication, open, honest and swift. The entire process was excellent and I really appreciated the level of communications and availability from Sherryann and her team!
IR
Ian Ramsay
Managing Director, iRchitect
Client · 2018
“
From the beginning of the entire process Sherryann was thorough and professional… honestly the best experience I’ve had in this area of finance.
DG
Desmond Goodridge
Operations Executive
Client · 2018
- Excerpts shown with “…” where shortened · confirm each reviewer’s approval before launch
● Mortgage calculator
Estimate your monthly repayment
Move the sliders to see an illustrative repayment in US or Barbados dollars.
Estimated monthly repayment
Mortgage amountInterest
- Mortgage amount
- Loan-to-value
- Loan term
- Total interest
For illustration only; not an offer or approval. Assumes a fixed rate with capital-and-interest repayments and excludes legal fees, stamp duty, property transfer tax, insurance and lender fees. Fixed peg BBD 2.00 = USD 1.00.
Would you like a figure based on your own circumstances?
● Questions
Frequently asked
Can non-residents get a mortgage in Barbados?
Yes. Barbados lenders do offer mortgages to non-residents, although the criteria differ from those for residents and you will usually need a larger deposit and some additional documents. We explain what applies to your country and type of income before you start searching.
Why speak to an adviser before I find a property?
When you know your realistic budget, deposit and timeline in advance, you view the right properties, negotiate from a position of strength and avoid financing delays once you find the right home.
How much deposit will I need?
It depends on your residency, the property and the lender. Non-resident and luxury purchases often need a larger deposit, and we give you a realistic range during your consultation.
Are you a lender? Can you guarantee approval?
No. Tropical Finance Broker is an advisory firm, not a lender. We approach banks and other institutions on your behalf, and every mortgage remains subject to the lender’s own approval and valuation.
What does a consultation cost?
The 20-minute introductory consultation is complimentary. A one-hour Mortgage Planning Consultation is US$150, and commercial and specialist advice is priced according to scope. Standard brokerage often comes at no direct cost to you.
Can I borrow in US dollars?
Some lenders may offer foreign-currency mortgages, depending on your circumstances. We help you weigh borrowing in USD against BBD, based on the currency you earn in.
Do I need to send financial documents to enquire?
No. Your first enquiry needs only a few basic details. If we go ahead, we tell you exactly which documents are needed and how to share them securely.
Can we meet remotely?
Yes. Consultations are available by Zoom, WhatsApp or phone, or in person at Summerland House, Prospect Road, St James.
Another question?
● Our office
A private space to talk, in St James
Meet Sherryann in person at Summerland House, Prospect Road, St James. Our office is calm and private, designed for confidential conversations about your plans and your finances.
If you are overseas or short on time, the same consultation is available by Zoom, WhatsApp or phone.
- In-person consultations by appointment
- A private room for confidential conversations
- Summerland House, Prospect Road, St James
● Private consultation
Let’s talk about your Barbados plans
Share a few details and we will contact you to arrange a time that suits you. No documents are needed.
- 01 · Share a few details
- 02 · We review your enquiry in confidence
- 03 · Meet by Zoom, WhatsApp, phone or in St James
Request your private consultation
- No documents or financial details needed · Spam-protected · Confidential