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Thank you for visiting our website. Before you go any further it is important that you read and understand the Terms and conditions under which you will use the site.

All information obtained by Housing Finance Bank shall be treated in accordance with our privacy policy.

Condition of use

Housing Finance Bank encourages the use of its data, publications and multimedia products (sound, image, software, etc.) presented herein (collectively, the "Material"), for informational purposes only. All contents on this website are protected by copyright.

The information on this site is provided for general reference purposes only. Whilst every effort is made to ensure that the site is up to date and accurate, Housing Finance Bank does not warrant, nor does it accept any responsibility or liability for, the accuracy or completeness of the content or for any loss which may arise from reliance on information contained in this site. Links to other sites are provided for your convenience but the Housing Finance Bank accepts no responsibility or liability for the content of those sites or of any external site which links to this site.
Unless otherwise stated the copyright and any other rights in the contents of this site, including all images, text and webcasts are owned by Housing Finance Bank.

The Bank grants permission to:

Download, display or print material for personal use or use within an individual organization and for non-commercial use only.


Information is obtained from sources believed to be reliable. Housing Finance Bank does not warrant its completeness or accuracy for merchantability, fitness for a particular purpose. The information may be subject to change at anytime without notice.

Any person wishing to obtain further clarification should do so only with a formal consultation with relevant authorities. Under no circumstances shall Housing Finance Bank be liable for any loss, damage, liability or expense incurred or suffered which is claimed to resulting from use of this Site, Including without limitation, any fault, error, omission, interruption or delay with respect thereto. Under no circumstances, including, but not limited to, negligence, shall Housing Finance Bank be liable for any direct, indirect, incidental, special or consequential damages, even if Housing Finance Bank has been advised of the possibility of such damages.


These conditions become effective when you access the site for the first time and constitute a binding agreement between Housing Finance Bank and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this site.

The User specifically acknowledges and agrees that Housing Finance Bank is not liable for any conduct of any User.

Links to third-party websites

This Site contains links to third-party web sites. The linked sites are not under the control of Housing Finance Bank and Housing Finance Bank is not responsible for the contents of any linked site or any link contained in a linked site. Housing Finance Bank provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site by Housing Finance Bank. These sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained form the original source.

Changes and Availability

We reserve the right to change these Terms and Conditions from time to time, however, so you agree to check the Terms and Conditions periodically to make sure you remain comfortable with it. Each time you visit our Site, you agree to check for changes to Terms and Conditions. No changes proposed by you or us will be effective unless and until they appear in these Terms and Conditions. If you do not want to be bound by any changes, you must not use the Site after their effective date.

We also reserve the right to terminate the Site, make access unavailable, and change the Site content, with or without reason or notice at any time.

Our intellectual property

Housing Finance Bank retains all copyright and intellectual property rights in all material, including Photos, Trademarks, logos and other graphics and multimedia works published on or via the site. Users are authorized to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that:
Any reproduction of our proprietary material from this site or portion of it must include our copyright notice in its entirety.
The logos and trademarks shown on this site are our registered and unregistered trademarks or that of third parties. Nothing on this site should be construed as granting any license or right to use any trademark without our prior written permission and/or that of third parties, as the case may be.

You may not, without our prior written permission, use our intellectual property or that of third parties for any other purposes.

Any person interested in acquiring intellectual property rights in our materials should make a written application for consideration, to our head office. We shall consider the application and expedite our response. Housing Finance Bank reserves the right to revoke any certificate, license, permission given to a user for the use of the Bank's intellectual rights.


As a condition of use of this Site, the User agrees to indemnify Housing Finance Bank from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out User's use of this Site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions. If User is dissatisfied with any material on this Site or with any of terms and conditions of use of this Site, User's sole and exclusive remedy is to discontinue using this Site.

Nothing in this Site or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendations.

Read about: Data Protection & Privacy Policy

This site may contain advice, opinions, and statements of various information providers and content providers. Housing Finance Bank does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither Housing Finance Bank nor its employees shall be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting there from.

Computer Virus Information

It is possible to contract a computer virus or any other malicious code by using the Internet or materials downloaded from it. Housing Finance Bank cannot assure you that this Site and any software or other information downloaded from it will be virus or problem free and Housing Finance Bank disclaims any liability (if any) for viruses and similar problems. Housing Finance Bank will attempt to keep our site virus free, but cannot assure you that our efforts will always be successful.


No waiver by Housing Finance Bank of any provision of this Agreement shall be binding except as set forth in a writing signed by its duly authorized representative.


If a User is not satisfied with any of the terms and conditions of this agreement or any information on this Site, the sole and exclusive remedy available to the User is to discontinue using this Site.

Applicable Law and Jurisdiction

This Agreement will be interpreted and enforced in accordance with the laws of Uganda.

Read about Our: Terms & Conditions

What is mortgage?

A Mortgage in legal terms refers to 'the conveyance of title (legal or equitable interest) in real property by borrower to lender for repayment of money or loan. Which simply means that; A Housing Finance Bank Ltd. mortgage is an agreement in which money is lent to a borrower, for home construction, or purchase, buying urban plots or commercial property, using that very property as security.

How do I qualify for a loan?

It is easy all you need is:

  • Have an account with us
  • Ascertainable monthly income
  • Have copy of the land title
  • Copy of approved building plans
  • Bills of quantities of outstanding work
  • Photographs of four elevations of the building

For more information on the various types of loans.

Must I have an account with you to qualify for a loan?

Yes, you must have a savings account with us before you qualify for the loan. The account must also hold at least the equivalent of one installment of your loan repayment as minimum balance for you to qualify for any of our mortgages. For more information about our savings accounts please click here.

What sort of properties do you finance?

The property must have a valid land title and building plans with local authority approval Construction must be in permanent materials and the buildings serviced /to be serviced with water and electricity.

Who is eligible?

To be sure that your mortgage is affordable, the amount we lend you must have a monthly repayment not exceeding 35% of your ascertainable income for mortages and 40% for the swift loan. Where your regular income is not sufficient, additional security may be required.

The applicant may be a Ugandan resident or non-resident. The residents may be individuals, companies, and joint applicants such as couples and or employees of corporate organisations. For joint applicants, joint incomes or cash flows are considered and the property title is registered jointly.

Employees of corporate organisations are covered under the Corporate Staff Mortgage

Ugandans living and working in the diaspora must:

  • Appoint an attorney at home
  • Submit a letter from the employer
  • Duly complete, sign and notarise the application forms
  • Attach notarised passport photos
  • Post them to Housing Finance Bank

Self-employed individuals will be required to submit audited accounts for the last two financial years together with business particulars such as Memorandum and Articles of Association, Certificate of Incorporation, and Company returns.

What about the loan size?

Currently, we loan a minimum of Uganda Shs. 5million, depending on the property location and value. The loan available will not exceed 70% for residential units in Kampala, 60% for urban plot and 50% residential units in other towns, of the property value as given by our valuer.

How long does it take to repay the loan?

It will take you up to 20 years to repay the mortgage loan in case of a housing mortgage, 5 years in case of an urban plot, and 10 years for commercial properties

What security do i need?

We take a first legal mortgage on the financed property. We also insure the property against fire and other forms of damage at your cost.

What are your interest rates?

Our interest rates are determined by the market conditions and HFB's source of funds. Currently our rates are 16% p.a for residential Units and 18% for commercial units and urban plots.

Do I pay any other costs?

On application you pay application and valuation fees. You will also meet the costs of preparing and registering the mortgage.

What happens in case I lose my job?

We would like to maintain a client relationship with you at all times. It would therefore be very important for you to communicate consistently with us and let us know about your loss of job or any other financial strain so that our professional staff can offer you timely advise.

What happens in case of change of employment?

In case of change of employment we would expect you to communicate to us and let us know about your new employment so that the necessary arrangements can be done to enable you avoid arrears and make payment easier for you.

In the event that I die does housing finance take my house?

Not necessarily. When you undertake a mortgage you have made a big decision and this means that you must have the responsibility to plan for eventualities such as death. The bank takes necessary precaution to ensure that this does not happen by doing the following:

  • Encouraging mortgagors to write wills. In the event of death, therefore, the administrator has legal powers to pay back the mortgage on behalf of the deceased.
  • We also encourage people to get mortgage protection insurance and life insurance policies, which cover death and total disability.

What is a Swift Loan?

Swift Loan is a personal loan extended to salary earners and may be used to purchase vehicles, furniture, pay school fees and meet any other personal needs.

Where is HFB's Head office?

The head Office is Located on Plot 4 Wampewo Avenue in Kololo. Telephone: +256- 414- 259651/2

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