Make your dream home a reality or start building your investment portfolio with one of our home loan products that offers competitive interest rates and the comfort of long repayment periods. Available in both UGX and USD. it can be used to purchase a home or bare land. It is also available for equity release, re-financing and home completion.

Buy a home

You can buy the dream home for you and your family to live in, or buy a home as an investment and let it out to renters. We have a mortgage loan offer for both. 

  • Higher loan amounts of up to UGX2 billion or USD300,000
  • Flexible loan periods of up to 25 years (if you buy to live in) 
  • Flexible loan periods of up to 20 years (if you buy to let)
  • Loan to value of up to 70% if you buy to let
  • Loan-to-value ratio of up to 85% if you buy to live in
  • Joint applications acceptable for husbands and wives
  • Find out more about fees and documents required

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Loan buy out

We make remortgaging your home loan quick and easy. Switch your current loan to Absa.

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Equity release

Get instant access to money when you need it by releasing funds from your bond.

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Get a land loan

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Find out more about the fees and documents required to start your application
  • Fees

    • Loan application fee of UGX30,000/USD5,000
    • Arrangement fees of 3% for minimum of UGX300,000 or 2.5% for USD loans
    • Early repayment fee of 13%
    • Valuation and quantity surveyor fees tiered to value of loan
    • Mortgage protection cover (life and disability) 0.95%
    • Property insurance covering fire and destruction 0.25%
    • Valuation 0.15%
  • Documents required

    Personal details
    • 4 passport photos
    • Passport (Proof of Nationality and date of birth)
    • Bank statement
    Employment details
    • Copy of contract/appointment
    • Proof of income by way of 3 recent salary slips
    • Work ID (further proof of employment)
    • Letter of undertaking from the employer
    Financial details
    • Bank statements for the last 12 months
    • Loan statement
    • Financial card
    • E-tax number (TIN number)
    Security details
    • Copy of land title
    • Approved building plans
    • Property should be at least 80% complete (for purchase, equity release or refinance)
    • Property should be at least 50% complete for home completion
    • Consent letters and lease rental receipts in case land is on lease hold
    • Sale agreement signed by both buyer and vendor for purchases
    • Photos of the property to be used as security (inside, outside and neighbourhood)
    • Bills of quantities (BOQs) from bank-approved quantity surveyors
    • Initial valuation report indicating level/percentage of completion and current value of the property
    • Insurance policies, both property and life cover
Need more help?

Call us on:
0800 222 333 (Toll Free)
+256 (0) 312 218 348 (Network charges apply)

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