Mortgage & Loans
Financing built for how Nigerians actually buy homes
From NHF-backed mortgages to flexible personal loans — 7 products, each built around a different need.
National Housing Fund (NHF)
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.
Tenor: Up to 30 years
Eligibility
- Nigerian citizen above 18 years old
- Minimum 6-month contributor to NHF
- Evidence of regular income flow
Applications go through an accredited Mortgage Loan Originator (MLO) like LivingTrust, not directly to FMBN. The property serves as security and must have an approved building plan.
Get pre-assessedResidential Mortgage (SOFGH)
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.
Tenor: Up to 15 years
Personal Loan
A salary administration product for employees of reputable organizations, helping to empower their financial independence.
Tenor: Flexible
Home Improvement Loan
A residential loan product designed to finance the acquisition of a house or property, for residential purposes only — including renovation and improvement.
Tenor: Flexible
Get pre-assessedGovernment Employee Loan
An overdraft facility granted to both Federal and State Government employees.
Tenor: Flexible
Get pre-assessedEstate Development / Commercial
Designed to cater to the commercial mortgage needs of corporate bodies (such as property development firms) and structured cooperative societies.
Tenor: 1–10 years
Get pre-assessedMSME Retail
Designed to meet the financial needs of clients who have viable businesses and a sound account history.
Tenor: Flexible
Get pre-assessedSee what home ownership could look like
Estimate your monthly repayment across our published-rate loan products — updated the moment rates change.
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