• Fri. Sep 30th, 2022

Bank Mortgages

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The Major Banks providing Mortgage Home loans in Uganda


Stanbic Bank

Stanbic Bank Uganda offers a diverse range of Home Loans and Mortgage products to meet your needs:

Your Dream Home · House Completion Loan · House construction loan · House Purchase Loan · Land for Cash Loan · Land purchase loan.


Housing Finance Bank

Housing Finance Bank has a wide range of home loan products to meet all your housing needs: Home Loan · Growing House Loan · Land Loan

Determine how much you could pay each month by using Housing Finance Bank’s Mortgage Calculator. You can input a different property price, down payment, loan term and interest rate to see how your monthly payment changes.


Standard Chartered

Enjoy a high loan amount up to UGX2.5Bn with Standard Chartered Bank.

Application Eligibility: 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.


Post Bank

Post bank offers Kyappa Loans, Ideal for Kibanja owners, landless people, people who want to expand acreage, or people who are deriving their livelihood from the land.

Applicants Must reside within the branch’s operational area or be a member of a partner SACCO which borrows from PBU, should have an account with PBU and must not have more than one outstanding loan facility with PBU at the time of application.


Centenary Bank

The Cente Mortgage Loan by Centenary Bank is a medium-to-long term housing finance product targeting salary earners as well as economically active rural and urban low, middle and high regular income earners engaged in self-employment. The loan can be used for the purpose of financing housing needs through purchase, construction or completion. 

The minimum loan amount is UGX 20 million and maximum UGX 300 million, with a maximum period of up to 10 years. 

Applicants Must reside within the branch’s operational area or be a member of a partner SACCO which borrows from PBU, should have an account with PBU and must not have more than one outstanding loan facility with PBU at the time of application.


You too can experience the rewarding feeling of owning your own home with Absa Bank, formerly Barclays Bank. Intended for anyone who wants to buy a home · High loan amounts of up to UGX1 billion or USD300,000 · Flexible loan period of up to 25 years · Competitive interest rates.

Absa also has a Home Loan Calculator that can help you determine your mortgage payments, and can even tell you the value of the home you can afford based on your income and expenses. 


Bank of Baroda

With Bank of Baroda, you can get a Baroda Housing Loan (BHL) in individual OR joint names. The Principal Borrower must be 21 years or above & Joint borrower may be of 18 years.

The maximum loan amount is Ugx.800 million, including the cost of Insurance premium of the house, with a repayment period of up to 15 Years

BoB’s interest rate at 2% below PLR with monthly rests, and 2% additional interest (Penal Interest) in case of default in the repayment schedule.


NCBA Bank of Uganda

Becoming a home-owner is now an achievable goal with NCBA Bank, with flexible terms and repayment periods of up to 25 years.

Get up to 90% of the value of the ready or off-plan residential units you are looking to buy within Kampala metropolitan and major urban and rural areas within major towns. 


Whether you are remodelling, building a new home or refinancing, the process can be confusing. ABC Capital Bank understands, that’s why their Mortgage Home Loans are designed to effectively respond to the great need of housing loans in Uganda. Their mortgage bankers will work with you to determine the solution that’s right for you.

ABC Capital Bank offers Lot Loans, Construction loans, Conventional Fixed-rate Loans, Adjustable-rate Loans and Bridge/Swing Loans.


Bank of Africa - Uganda

Bank of Africa Uganda offers an asset financing Mortage Home Loan with goal of enabling their customers to purchase or complete their residential property, purchase of land, carry out home improvement, home extension and home construction.

They offer loan amounts of up to UGX1BN or USD 300,000, flexible repayment periods of up to 25 years, and financing options of up to 90% Value of the property.

Their mortgage home loans are available to both salaried and non-salaried customers with a verifiable source of income.