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Real Estate Finance Solutions

Making Property Investment and Rental Payments Accessible

Transform how you interact with real estate finances through our innovative payment solutions, verified investment opportunities, and strategic financing partnerships.

Housing Edge

Explore property related services

Pay Your Rent

No More Lump Sum Stress! Spread your annual or bi-annual rent across manageable monthly installments. Our payment plan makes quality housing affordable for working professionals and families.

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Real Estate Investments Opportunities

Verified Investment Offers from Registered Professionals - Top Offers Premium investment opportunities with exceptional returns

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TrustTenant™ - Pre-Qualified Tenant Matching

Connecting Landlords with Verified, Creditworthy Tenants

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Property Title Verification

Protect your property investment with TitleSecure™ title verification. Authenticate C of O, survey plans, and land documents. Prevent property fraud in Nigeria.

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Furnish Easy

Connecting You with Reliable Financial Partners for Flexible Interior Decor Payment Plans

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Mortgages

Connecting You with Low-Interest Mortgage options, making Homeownership Affordable.

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For Developers and Investors:

Mortgages

Connecting You with Low-Interest Mortgage options

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Lagos State Home Ownership Mortgage Scheme (Lagos HOMS)
6% on mortgage loan
Interest Rate:
30% of property cost
Down Payment:
Minimum 10 years, maximum 20 years
Tenure:
Admin Fee:
₦10,000 for civil servants, ₦25,000 for others
Eligibility Criteria:
Must reside in Lagos State
First-time home buyers only
Must have been working with current employer for at least 6 months
Must be tax compliant with proof of tax payment
Must pass affordability test (not more than 33% of net monthly income as repayment)
Must have verifiable source of income
Special Benefits:
Rent-to-Own option with 5% down payment
Dispute resolution through Lagos Court of Arbitration
Over 200 homeowners received exit certificates in March 2025
Priority given to Lagos State civil servants
Properties cannot be transferred until full payment
Contact Information:
Address:
Ministry of Housing Block 3, Secretariat, Alausa, Ikeja
Alt. Address:
Ministry of Housing Block 3, Secretariat, Alausa, Ikeja
Linkedin:
Lagos Mortgage Board (LMB)
Facebook:
Facebook.com/LagosHoms
Application Fee:
₦10,000 processing fee
Official Website:
lagoshoms.lagosstate.gov.ng
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Abbey Mortgage Bank
0-10% equity, ₦10-₦15 million, 30 years (civil servants)
NHF Scheme
30% equity, up to 10 years repayment
Commercial Product
Eligibility Criteria:
Licensed by CBN and FMBN under CBN Decree 24 of 1991
Must be permanent and confirmed employee
Regular income verification required
Special Benefits:
32+ years experience in mortgage banking
Converting to Regional Commercial Bank (N100 billion capital raise approved)
One of seven national Primary Mortgage Banks
Mobile banking app available
Contact Information:
CBN License:
Primary Mortgage Institution license from CBN
Linkedin:
Abbey Mortgage Bank Plc
Rating:
Bbb- rating from Agusto & Co (expires September 2023)
Official Website:
https://www.abbeymortgagebank.com
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MREIF (Ministry of Finance Incorporated Real Estate Investment Fund)
9.75% fixed (recently reduced from 12%)
Interest Rate:
10% (reduced from 20% in August 2025)
Down Payment:
Up to 20 years
Tenure:
Loan Amount:
Up to ₦100 million
Eligibility Criteria:
Must be Nigerian citizens
Must meet specified income and credit requirements
Must have verifiable source of income
Property must be for owner occupancy (single-family homes or apartments)
Must provide proof of identity and income history
Special Benefits:
Down payment can be funded from Retirement Savings Account (RSA)
48-hour pre-approval process
AAA credit rating from Agusto, AA from Global Credit Rating
Both interest-based and non-interest options available
Government-backed with N1 trillion fund size
Contact Information:
Fund Manager:
ARM Investment Managers
Processing Time:
1-2 months from application to disbursement
Official Website:
https://www.mreif.com.ng
Application Portal:
https://mreif.arm.com.ng
Federal Mortgage Bank of Nigeria (FMBN)
Federal Mortgage Bank of Nigeria (FMBN).
6% to NHF contributors (FMBN lends to banks at 4%)
Interest Rate:
0-10% for civil servants, up to 30% for others
Down Payment:
Maximum 30 years
Tenure:
Loan Amount:
Up to ₦50 million (increased from ₦15 million)
Eligibility Criteria:
Must be at least 18 years old
Must have contributed to NHF for at least 6 months
Must have satisfactory evidence of regular income
Mandatory 2.5% monthly income contribution to NHF
Must apply through accredited Primary Mortgage Banks
Special Benefits:
Rent-to-Own scheme available (up to 30 years)
Home renovation loans for contributors
Diaspora mortgage for Nigerians abroad
Estate Development Loans at 10% for developers
Established 1977, apex mortgage institution status
Contact Information:
Address:
266 Cadastral AO, Central Business District, PMB 2273 Garki, Abuja
Phone:
09036332566, 09023239419, 08057881824, 08096000018
WhatsApp:
08099990027, 08099990028
Official Website:
https://www.fmbn.gov.ng
Internet Banking:
https://ibank.fmbn.gov.ng
Help Center:
https://help.fmbn.gov.ng
Standard Chartered Bank Nigeria
Standard Chartered Bank Nigeria
80% of property value
Interest Rate:
Minimum 20% equity contribution
Down Payment:
Loan Amount:
₦6 million
Location:
Lagos, Abuja, Ibadan, Ogun, Port Harcourt
Eligibility Criteria:
Age: 21-60 years at loan maturity
Minimum income: ₦300,000 monthly
Must domicile salary with the bank
Must be permanent and confirmed employee
Special Benefits:
Floating interest rates based on market conditions
International banking network access
24-hour contact center support
Digital banking platform
Contact Information:
Phone:
+234 0201270 4611-4, +234 800 123 5000 (Toll Free)
Official Website:
https://www.sc.com/ng
Help Center:
https://www.sc.com/ng/help/
Mortgage Page:
https://www.sc.com/ng/mortgages/home/

Extensive Mortgage Network

Our extensive network of financing options includes leading mortgage banks, development finance institutions, and investment firms offering competitive rates for home loans, buy-to-let financing, development funding, and refinancing options. We connect property buyers, developers, and investors with the most suitable financial institutions based on their specific needs and qualification criteria.

Ready to transform your real estate finances? Explore our comprehensive suite of financing solutions and discover how Nigeria MLS Properties can make your property dreams more accessible and profitable than ever before.

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