Easy Lot owns the lots and finances them to you directly. A down payment from 5%, a fixed monthly figure that typically starts near $400, and your name on a registered title — no mortgage application, no loan committee.
Most people who give up on buying land in the Cayman Islands give up at the bank, not at the price. Raw land is the hardest thing here to get a mortgage on. Here is the same purchase, seen from both sides of the counter.
| Traditional bank mortgage | Easy Lot owner financing | |
|---|---|---|
| Down payment on raw land | Typically 30–40% | From 5% |
| Who approves you | A credit committee you never meet | Us — we own the land |
| Paperwork | Full underwriting file, credit history, valuations | Passport, ID, job letter, utility bill |
| Time to an answer | Weeks | Usually the same business day |
| Rate movement | Variable — your payment can rise | Fixed for the whole term |
| Early settlement penalty | Common | None |
| Overseas buyers | Difficult without local banking history | Handled remotely, start to finish |
Bank figures are typical of Cayman Islands lenders for undeveloped land and vary by institution. Easy Lot terms depend on the lot, the deposit and the term you choose.
This is the whole process. Nothing is hidden behind a phone call — and each step has a short video if you would rather watch than read.
Fill in the online form and we tell you the price range and the monthly payment you qualify for. It takes about five minutes, it costs nothing, and it is not a credit application, so it leaves no mark. Knowing the number first means you shop for a lot you can actually finish paying for.
What pre-approval means, what we look at, and how quickly you get an answer — before you commit to anything.
Passport, driver’s licence or second photo ID, a job letter confirming your income, and a recent utility bill for proof of address. Photograph all four on your phone. If you are buying with a partner or relative, they send the same four and both incomes count towards the approval.
The short list of what you need to apply — income, documents and down payment — so you know before you start whether you qualify.
Each development page carries a live lot map: browse what is still available, compare sizes and prices, and see exactly where a parcel sits before you commit. Reserve the one you want and we hold it while the agreement is drawn up.
A tutorial of our interactive map: how to browse available lots, compare sizes and prices, and pick the one that fits you.
You sign the purchase agreement and pay the down payment — from 5% of the price. Like every land purchase in the Cayman Islands, the transaction has to satisfy anti-money-laundering rules, which is what the identity and address documents are for. Overseas buyers complete this remotely.
Every land purchase in the Cayman Islands has to meet AML rules. Here is what we are required to verify and which documents that means for you.
A fixed amount leaves your account each month for the agreed term — no rate changes, no penalty if you clear the balance early. When the balance reaches zero the transfer is registered with the Lands and Survey Department and the title is issued in your name.
From pre-approval to keys in hand: the closing steps, who is involved, and what you sign along the way.
No tax returns, no bank statements going back two years, no valuation report. If you can photograph these four things, you can apply today.
Move the sliders. The figure updates as you go, so you can see exactly what a bigger deposit or a shorter term does to the monthly cost.
Estimate only, based on a 7.5% fixed annual rate for illustration. Your actual rate, term and payment are set in your agreement and confirmed at pre-approval. Stamp duty and legal fees are not included.
Every one of these pages carries a live interactive map of the development, so you can see which lots are still available and exactly where each parcel sits before you talk to anybody.
Now selling
Quiet, low-density lots on the least-developed of the three islands. The buy for people who want space, water nearby and almost no neighbours.
Investment land
Grand Cayman land at the price point most people assume no longer exists here. Roads in, power along the boundary, and the East End growing towards it.
Premium
Near-shore lots minutes from Rum Point and Starfish Point — the north side address people already drive across the island to visit at the weekend.
Short, plain-English answers with no sales pitch. Tap any one to play it.
We act as the bank, so there is no traditional lender involved. You put money down, we finance the rest, and you pay us directly.
The short list of what you need to apply — income, documents and down payment — so you know before you start whether you qualify.
Buying with a partner, a relative or a friend: how a joint application works and what each applicant needs to provide.
The biggest myth about Cayman real estate is that you need hundreds of thousands in cash. With direct owner financing there is no bank — just a small deposit and a few documents.
Nobody is making more Cayman Islands. Land needs no maintenance, produces no midnight phone calls, and has been quietly appreciating while the islands build out around it.
Nobody is making more land, and Grand Cayman, Little Cayman and Cayman Brac have a finite amount of developable space. As the islands grow, the options left shrink.
Markets swing daily and savings barely beat inflation. Land is the "sleep well at night" asset — stable, steadily growing, and something you can physically stand on.
Three reasons: it never degrades, it needs zero maintenance, and it appreciates over time. That combination is hard to find anywhere else.
No leaking roofs, no broken air conditioners, no midnight calls from tenants. Raw land just sits there quietly and grows in value.
“Two banks told me raw land was not something they finance. Easy Lot pre-approved me in an afternoon and I was paying towards my own lot the same month.”
“I am overseas and did the entire thing by email and WhatsApp. The four documents were exactly the four documents — nothing appeared later.”
“The payment has not changed once. I know what leaves my account every month and I know what I own at the end of it.”
Pre-approval tells you your price range and monthly payment before you fall in love with a lot. It is free, it leaves no mark on your credit, and most people hear back the same day.
In the Cayman Islands, the buyer is typically responsible for stamp duty on property purchases (if applicable). This payment is typically due after you pay off your land. However, there are exemptions available, such as for first-time Caymanian property buyers.
For more information, please visit: https://www.caymanlandinfo.ky/Services/VEO/Stamp-Duty
A fill notice is a document informing us you’re ready to begin to fill your site as per planning regulations. You will request this from the developer at the appropriate time.
You are responsible per planning regulations for preparing your lot under the specified requirements. This will include filling and clearing your land. If you require more detail on this please refer to the planning website for more information.
Easy Lot offers a fixed-rate financing program for predictability. There is an early termination fee if you pay off your loan within the first 60 months. This fee is a 15% percentage of the remaining interest on your loan balance.
This section only applies to you should you default on your payments. To avoid this contact us if you’re having trouble paying, so we can help.
Absolutely! You can make additional payments towards your principal at any time. This can help you pay off your land faster.
Easy Lot accepts secure deposits and monthly payments only through online transfer to our CIBC First Caribbean International Bank account.
