Our mortgages

Five mortgages, each built around a real situation.

Whether you are buying your first flat in Yaba, finishing a bungalow in Abeokuta or sending money home from Houston, there is one product designed for you. Below you can filter by your situation, compare monthly costs and see exactly what we lend against.

15.0%lowest example rate

20 yrslongest term

90%highest lending, employer scheme

21 daystypical time to offer

Mortgage finder

Tell us where you are, and we will show what fits.

Tap the line that sounds most like you. The list narrows to the mortgages that suit.

From 18.5% example

Home purchase mortgage

For a completed house or flat, or an off-plan unit from a developer on our approved list.

See details From 20.0% example

Construction finance

For land you own with a clean title. Paid in four stages against your builder's progress.

See details From 19.5% example

Refinance and equity release

Move a costly loan to us, or release cash against your home for school fees or a business.

See details From 16.5% example

Diaspora mortgage

Buy in Nigeria while you earn abroad. Repay in naira from home or by transfer from overseas.

See details From 15.0% example

Employer partnership mortgage

Lower example rate and up to 90% lending for staff of employers who deduct repayments from salary.

See details

Side by side

The same loan, five ways.

Type a loan amount and see the monthly repayment and total interest on each mortgage at its example rate.

Loan amount to compare

₦

Monthly repayment on each mortgage
Mortgage	Example rate	Term	Lends up to	Monthly	Total interest

Each line uses that mortgage's longest term. Example rates for this demo.

Property we accept

We lend against homes with a title we can register.

Completed homes

Houses, terraces and flats

Anywhere in Lagos, Ogun, Oyo, Abuja and Rivers, with a certificate of occupancy, governor's consent or a sound deed of assignment.

Off-plan

Approved developers only

We keep a list of developers whose past estates we have inspected. Money goes to the developer in stages, never all at once.

Your land

Build with stage payments

If you own land with a registered title and approved building plans, construction finance pays your builder as each stage is signed off.

Shared ownership

Family and joint buyers

Two incomes can apply together. Spouses, siblings or a parent and child can be joint borrowers.

Not accepted

What we cannot lend on

Land with only a survey plan, homes under government acquisition, or properties in areas we cannot insure.

Insurance

Cover included

Every mortgage includes building cover and life cover for the outstanding balance, priced into the example figures you see.

Costs

Every fee, before you sign anything.

Mortgage fees
Fee	Example amount	When you pay
Arrangement fee	0.5% to 1.25%	Added to the loan or paid at offer
Valuation	₦150,000	Before the valuer visits
Legal and title search	₦200,000	At legal completion
Mortgage registration	0.5% of price	At completion, paid to the registry
Early repayment	Free after year 3	2% of the amount repaid in years 1 to 3

Example fees for this demo. Consent fees vary by state and are charged at cost.

Not sure which one suits you?

Pre-qualify online and we will recommend a mortgage, or book 40 minutes with an adviser in Yaba.

Start pre-qualifying