Diaspora Mortgage

This enables Nigerians resident abroad to purchase or refinance a home in Nigeria.

Features and Benefits

Convenient Payment Plan towards home ownership

  • Access to mortgage facilities
  • Property purchased will appreciate over the period of the facility
  • Convenient equity build-up
  • Longer repayment tenor
  • Convenient repayment plan
  • Competitive pricing
  • Flexible terms and conditions

Eligibility Criteria for Loan

Nigerian citizens that are resident abroad with work permit

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  • Application letter
  • Completed loan application form
  • Offer letter from vendor on property to be purchased
  • Letter of introduction from employer
  • Retirement Savings Account contributory statement
  • Six months pay slip
  • Six months account statement
  • Valuation and property search reports
  • Satisfactory credit search report
  • Copy of title document of the property to be purchased
  • Notarized means of identification
  • Residence status documentation
  • Evidence of tax payments
  • Letter of introduction from employer
  • Profile/information of the employer
  • Six (6) months offshore bank statement
  • Offshore pension savings account details and statement
  • Latest offshore credit check on the customer not more than 30days old
  • Notarized utility bill to evidence address abroad
  • Contact details in Nigeria
  • Copy of title of the property must be duly registered
  • Nigerian international passport
  • Minimum of 40% equity contribution
  • Offer letter from vendor
  • Credit search
  • Legal search
  • Valuation report
  • Any other documents as may be required

Fees and charges

Interest rate is risk based and subject to market conditions, while fees are negotiable

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Frequently Asked Questions

Tenor is up to 20 years subject to 5 years to retirement.

No, all payments shall be received in Naira.

You need a minimum of 40% equity contribution

You can part-liquidate without penalty.

Yes, the house being financed will be the collateral for the facility.

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