Benefits

*Terms and Conditions apply

Mortgage Features

Our mortgage loan allows you to borrow higher loan amounts and use your existing property as collateral.

money easy pay stretch your dollar

Get access to a loan based on the amount settled from the mortgage after 12 months.

money fund transfer

Consolidate your mortgage facilities and enjoy the convenience of managing one view account.

atm service

Get our mortgage calculator to help you plan.

Home Loan

Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Standard Chartered's Home Loan is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final interest rate in accordance with applicable laws and amount that can be borrowed.

Amount You Want To BorrowPlease enter an amount between UGX 20,000,000 and UGX 2,500,000,000

      Please enter a duration between 1 year and 25 years only.

      Your Preferred Payment Method

      years
      months

      Please enter a duration between 1 year and 25 years only.

      Interest Paid Comparison
      Tenure (in Years) Total Interest Paid Outstanding Loan
      1 1,923,323.93 20,000,000
      Monthly payment1,826,943.66
      Total interest 1,923,323.93
      APPLY NOW

      Loan Amount
      Up to UGX2.4 Bn
      Loan Amounts shall be varied by your income eligibility and our Credit Policy. Please use Loan calcualtor for estimate.
      Loan Tenor
      Up to 25 years
      Loan Tenor may be varied based on your age. Click apply to request for more detail
      Valuation fees
      This is usually a percentage of the appraised value of the property. We have partnered with reputable valuers and pre- negotiated a preferential fee for our customers.
      Legal / conveyance fees
      This is usually a percentage of the loan amount. We have a panel of reputable legal firm that assist the bank with this process.
      Stamp Duty
      This is a government tax on all property transfers and mortgage registrations and is a percentage of the property value according to the government valuer appraisal report.
      Credit life Assurance
      covering Death, Disability, Retrenchment & Last Expense (offered by a third party)
      Fire and perils insurance
      This is paid directly to the insurance company and covers damages that may occur to the property as a result of fire, floods etc. The bank maintains a panel of insurance companies with whom it has pre- negotiated preferential rates.

      Application Eligibility

      • Ugandan citizens, permanent residents and expatriates
      • Minimum age 21
      • Salaried customers and Self Employed customers meeting all the specified requirements
      • Employees and Directors of reputable companies and well established SMEs with demonstrable and verifiable monthly income for the past 12 months
      • Self Employed Professionals with verifiable regular monthly income

      Documents Required

      Property details:

      • Copy of title deed
      • Approved building plans
      • Sale agreement

      Personal details:

      • Completed and signed application form
      • 3 colour passport sized photos
      • Copy of National ID / passport
      • Copy of Financial card
      • Duly filled Key facts document

      Income details:

      Salaried clients

      • Pay slips for the last 3 months
      • Certified letter from employer stating terms of employment (it  should include your pay / position / duration of service / retirement age)
      • Certified copies of bank statements for 6 months
      • Loan statements where applicable

      Other income:

      • Rental income – attach Tenancy agreements and copies of titles
      • Commissions and allowances – attach 6 months payslips
      • Additional documentation criteria for Expatriates & Non Resident Ugandans
      • Copy of valid Work/residence Permit
      • Most current credit reference bureau report from the applicant’s  host country
      • Any document in a language other than English must be fully  translated by the host country’s embassy in Uganda
      • All documents must be notarized by a notary public

      For self- employed customers

      • 12 months bank account statements (Business and personal accounts)
      • Letter from the Company confirming Directors’ salaries and emoluments
      • Partnership agreement showing profit sharing arrangements
      • Certified copy of Certificate of Incorporation or business registration
      • Copy of Valid practising certificate (Self-employed professionals)
      • Valid Trading License
      • Proof of ownership i.e. company form 7
      • Memorandum and articles of association
      • Credit reference bureau for entity and borrower

      Application Eligibility

      • Ugandan citizens, permanent residents and expatriates
      • Minimum age 21
      • Salaried customers and Self Employed customers meeting all the specified requirements
      • Employees and Directors of reputable companies and well established SMEs with demonstrable and verifiable monthly income for the past 12 months
      • Self Employed Professionals with verifiable regular monthly income

      Documents Required

      Property details:

      • Copy of title deed
      • Approved building plans
      • Sale agreement

      Personal details:

      • Completed and signed application form
      • 3 colour passport sized photos
      • Copy of National ID / passport
      • Copy of Financial card
      • Duly filled Key facts document

      Income details:

      Salaried clients

      • Pay slips for the last 3 months
      • Certified letter from employer stating terms of employment (it  should include your pay / position / duration of service / retirement age)
      • Certified copies of bank statements for 6 months
      • Loan statements where applicable

      Other income:

      • Rental income – attach Tenancy agreements and copies of titles
      • Commissions and allowances – attach 6 months payslips
      • Additional documentation criteria for Expatriates & Non Resident Ugandans
      • Copy of valid Work/residence Permit
      • Most current credit reference bureau report from the applicant’s  host country
      • Any document in a language other than English must be fully  translated by the host country’s embassy in Uganda
      • All documents must be notarized by a notary public

      For self- employed customers

      • 12 months bank account statements (Business and personal accounts)
      • Letter from the Company confirming Directors’ salaries and emoluments
      • Partnership agreement showing profit sharing arrangements
      • Certified copy of Certificate of Incorporation or business registration
      • Copy of Valid practising certificate (Self-employed professionals)
      • Valid Trading License
      • Proof of ownership i.e. company form 7
      • Memorandum and articles of association
      • Credit reference bureau for entity and borrower

      A mortgage is a loan advanced to the customer by the bank towards the purchase or construction of a property. The customer provides the bank with his / her property as a security.

      A variable interest rate is where the interest rate changes from time to time based on the prevailing economic environment.

      Yes. The bank allows you to make lump sum payments into your mortgage loan account. You however need to advise us whether you would like the amount to be applied as a capital repayment.

      There is an arrangement fee that the customer is expected to pay upon acceptance of the loan. It is 1.5% of the loan amount.

      Valuation fees: This is paid to the valuers for the valuation of the property and is based on a pre-negotiated preferential fee schedule.
      Legal Fees: This is paid to the advocates for the preparation and registration of the security documents for the loan. It is based on the loan amount.
      Stamp Duty: This is to the government for all Mortgage registrations and transfers and is based on the price of the property or the value of the property as determined by the Government Valuer.
      Fire and general perils insurance: This is insurance cover taken on the property to cover against fire and general perils. Premiums are paid annually to the Insurance company providing the cover and it is based on the value of the property.
      Life insurance: This is insurance cover taken to cover customer in the event of death or permanent disability while servicing the loan. It is paid annually and is based on the outstanding loan balance.

      No, as a customer, you have the option to chose your Insurance Provider (subject to the Bank’s approval).

      Call Us

      Call our hotline for further information.

      (+256)200524100

      (+256)313294100

      Email Us

      Please send us a message and we will be in touch as soon as possible.

      Email Us

      Locate Us

      Visit the branch that is nearest to you.

      Find a Branch
      Home Loan Choosing the right mortgage is important, We will help you fulfill your dreams.

      Disclaimer

      This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/ug and entering a website operated by other parties:

      Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

      The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

      Thank you for visiting www.sc.com/ug

      PROCEED