Feature and Benefits

  • Provision of funding for the incremental home building needs including; house purchase, land purchase, incremental home construction, home improvements, solar installations etc.
  • Loan amount from UGX 200,000 to UGX 30M
  • Loan duration of up to 3 years
  • Flexible loan repayment period of either monthly or quarterly based on the customer’s income cycle.
  • Housing Support Services in form of general building information, home building best practices, utility connection process etc. will be provided
  • Flexible credit for incremental building needs
  • Flexible nature of securities acceptable to the bank
  • Flexible repayment period based on customers’ income cycle
  • Basic housing support services provided by the Bank

Application Checklist

  • Copy of a valid land title
  • Copy of approved building plans
  • Bills of quantities of the outstanding work (in case of construction)
  • Photographs of at least four elevations of the building
  • Copy of a sale agreement (in case of purchase)
  • Environmental impact Assessment report from National Environmental Authority ( NEMA) for projects of UGX 1 billion and above


  • Valid Identification
  • CRB financial card
  • Proof of reliable source of income
  • Security in form of land title, sales agreements, machinery and chattels
  • In case of construction; a house plan for titled land and development fee receipts for kabaka’s land
  • For kibanja agreements, registration with BLB will be required
  • For construction or home improvements, BOQs will be required where necessary (not necessarily by a professional)
  • Suitable guarantor who holds an account and is credit worth
  • In case of informal land leases, security must be owned by the borrower with a minimum tenor not less than the loan term

Apply Now

    Please tell us about yourself

    Loan FAQs & Details

    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 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.

    Where can I find a Housing Finance Bank branch?

    In order to provide efficient, innovative, customer centric financial services so as to maximize stakeholder value we have several branches all over Uganda, click here to locate a branch near you.

    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 click here.

    Enjoy quick and flexible banking with our Mobile Banking App

    With only a few taps, get all your financial needs fulfilled through the HFB mobile app. It brings you convenient, fast, and secure banking on the go.