Loan mainly used for purchase or construction of a single residential unit. It can also be used to refinance a loan taken for the aforementioned purpose.


1. Purchase

a) Property details

  • Copy of the sales agreement with details of the property or Sale offer
  • Copy of the valid land title
  • Ground rent receipts in case of leasehold properties
  • Photographs of at least four elevations of the building

b) Vendor’s details

  • Vendor’s valid ID and 2 photos
  • Vendor’s Spouse - spousal consent, Valid ID & 2 photos of spouse

c) Borrower’s personal details

  • 4 passport size photographs
  • Identification documents (Employer Identity card / Driving permit / copy of passport / voter’s card)
  • Open a Current Account
  • Copy of financial card or fill in the Credit Reference Bureau Form
  • Spousal consent, 2 passport photos & valid identification of spouse
  • Authenticated bank statement for atleast 12 months
  • Authenticated Loan statement & copy of loan offer in case of existing loans with other banks
  • Tenancy agreements & copy of land title (in case of rental property)

Salary Earners

  • Letter from the employer confirming terms of employment
  • Pay slips for 2 recent months

Self Employed Individuals

  • A Certified copy of Audited financial statements for the past two years
  • A Certified copy of certificate of incorporation
  • A Certified copy of Memorandum and articles of association
  • A Certified copy of Company’s form 7
  • A Certified copy of Board resolution to borrow( if it’s a company borrowing)

2. Construction

Property details

  • Copy of the valid land title
  • Copy of the approved building plans
  • Photographs of at least four elevations of the building
  • Bills of quantities of the outstanding work

Other requirements are the same as in 1 (c) above

Note: For clients in the Diaspora the following must be notarized

  • Power of Attorney
  • Mortgage Application Form
  • Passport Photos

For further information, contact us or call +256-41-4259651/2.

Customer Care

+256 417 803 000+256 414 259 651/2+256 414 341 429