Home Loan
Choosing the right mortgage is important. We will help you fulfil your dreams
Choosing the right mortgage is important. We will help you fulfil your dreams
loan amount up to UGX2.5Bn*
Years flexible repayment periods*
loan amounts and use your existing property as collateral
Our mortgage loan allows you to borrow higher loan amounts and use your existing property as collateral.
Get access to a loan based on the amount settled from the mortgage after 12 months.
Consolidate your mortgage facilities and enjoy the convenience of managing one view account.
Get our mortgage calculator to help you plan.
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
Please enter a duration between 1 year and 25 years only.
| Tenure (in Years) | Total Interest Paid | Outstanding Loan |
|---|---|---|
| 1 | 1,923,323.93 | 20,000,000 |
Loan Amounts shall be varied by your income eligibility and our Credit Policy. Please use Loan calcualtor for estimate.
Loan Tenor may be varied based on your age. Click apply to request for more detail
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.
This is usually a percentage of the loan amount. We have a panel of reputable legal firm that assist the bank with this process.
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.
covering Death, Disability, Retrenchment & Last Expense (offered by a third party)
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.
Property details:
Personal details:
Income details:
Salaried clients
Other income:
Property details:
Personal details:
Income details:
Salaried clients
Other income:
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).
Effective 2nd September 2022, our Base Lending Rate changed from 18.3% p.a. to 19.3% p.a. for Local Currency Loans and from 10% p.a. to 11% p.a. for Foreign Currency Loans. Please note that the loan pricing may vary from time to time. Please reach out to the Bank to know the prevailing loan pricing or rate.
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Number: (+256)200524600 ,(+256)313294600
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