LivingTrust Mortgage Bank Plc — mortgage loans and savings in Nigeria
- Deposits insured by NDIC
- 4 branches across Osun State
Licensed, insured and connected.Regulated by the Central Bank of Nigeria and part of the country's housing finance network.
One bank for the home you want and the savings behind it.
Buy, build or improve a home
From 6% a year with the National Housing Fund. 7 loans for homes, renovation, estates and business.
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Save towards something
8 accounts, from a child's first savings to a fixed deposit.
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Bank from any phone
App, Verve card and USSD *723*312# on any network, even without data.
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Homes we've built and financed
Developments, joint ventures and funded estates.
Learn moreCheck if you qualify in about two minutes.
Answer a few questions and we'll tell you which loans fit before you visit a branch.
Start nowThree decades of helping Nigerians own a home.
Every loan we offer, with the rate on the page.
| Product | Rate | Tenor | What it's for | Action |
|---|---|---|---|---|
| National Housing Fund (NHF) | 6% p.a. | Up to 30 years | A special scheme administered by the Federal Mortgage Bank of Nigeria (FMBN). It provides the financial support for a contributor to build, buy, renovate, or improve their home. | Apply |
| Residential Mortgage (SOFGH) | 9.5% p.a. | Up to 15 years | Designed to finance the acquisition or construction of a house or property for residential purposes only — tailored for Salary Officers and Federal Government Housing beneficiaries. | Apply |
| Personal Loan | 10.75% p.a. | Flexible | A salary administration product for employees of reputable organizations, helping to empower their financial independence. | Apply |
| Home Improvement Loan | On application | Flexible | A residential loan product designed to finance the acquisition of a house or property, for residential purposes only — including renovation and improvement. | Enquire |
| Government Employee Loan | On application | Flexible | An overdraft facility granted to both Federal and State Government employees. | Enquire |
| Estate Development / Commercial | On application | 1–10 years | Designed to cater to the commercial mortgage needs of corporate bodies (such as property development firms) and structured cooperative societies. | Enquire |
| MSME Retail | On application | Flexible | Designed to meet the financial needs of clients who have viable businesses and a sound account history. | Enquire |
Rates may change. NHF rates are set by the Federal Mortgage Bank of Nigeria. The calculator above uses the same rates as this table.
Led by bankers who know housing finance.
Dr. Olumide Adedeji brings over 30 years of experience in the financial sector, across retail, commercial, corporate, telecoms, hospitality, and real estate banking.
Dr. Olumide AdedejiManaging Director / Chief Executive Officer
Meet our leadership
From first question to front door.
Check eligibility
Answer a few questions online. We tell you which loans fit before you visit.
Send documents
ID, BVN, proof of income and the property title or building plan.
Valuation and offer
We value the property, assess the loan and send your offer letter.
Get your keys
Sign, we disburse, and you repay monthly over your agreed tenor.
NHF loans are applied for through an accredited Mortgage Loan Originator such as LivingTrust, not directly with FMBN. We handle the application for you.
Places we've helped build.
Developments with mortgage packages available, and projects LivingTrust has financed.
Ready to talk about your home?
Check your eligibility online, visit a branch, or call our customer care team on +234 916 000 0243.
- Head office Osogbo KM 2 Gbongan/Ibadan Road, Osogbo, Osun State
- Branch Ilesha Adjacent Owa's Palace, Ilesha, Osun State
- Branch Ejigbo Off Oko Road, Ejigbo, Osun State
- Branch Ila Orangun Old Bank of Agric Building, Beside Palace, Ila-Orangun, Osun State