Buy a lot or house in a government housing scheme

The Housing Agency of Jamaica (HAJ) sells serviced lots and houses in its schemes. You apply online.

✓ Links tested 24 Oct 2026 · Facts checked 24 Oct 2026

Opens the official government site.

Who can do this

Anyone who can pay a deposit of up to 15% and get a mortgage or pay cash. Low-income schemes allow one purchase per person.

What you need

An email address you check every day
The documents the online form asks you to upload
A deposit of up to 15% of the price
A mortgage offer from a lender, or proof you can pay cash (HAJ does not give loans)
A contact person to name on the form

Tick things off as you gather them.

Steps

Open the HAJ “Now Selling” page. Only schemes listed there take applications.
Pick the lot or house and click APPLY NOW.
Fill in every box with a star (*), upload the documents, and submit.
Check your email (and junk folder) daily. HAJ says it replies within 3 to 5 working days.
An HAJ officer will contact you with the next steps.

Cost

Depends on the lot or house. Deposit up to 15% of the price.

How long

First reply within 3 to 5 working days.

Can’t go online?

HAJ Savanna-la-Mar, Barracks Road: 876-918-3370. Montego Bay, Albion Road: 876-940-2559. Head office, 13 Caledonia Avenue, Kingston 5: 876-968-7522. If calls don’t go through, use the website contact form.

Part of

🏠 Buying or renting a home

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