Own Your Home Today
Access affordable mortgage financing through June Halten Limited — including the government-backed MREIF scheme at a fixed 9.75% per annum. Low rates, flexible repayment, quick pre-approval.
Mortgage Calculator
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Your Options
Mortgage Schemes Available
Three main pathways to home ownership in Nigeria — we help you apply for any of them
MREIF Mortgage
Ministry of Finance Real Estate Investment FundNigeria's most accessible single-digit rate mortgage. Backed by the Federal Government and disbursed through partner commercial banks — Access Bank and First Bank.
Who qualifies:
- Salaried employees & civil servants
- Self-employed & business owners
- Diaspora Nigerians (40% equity required)
- No NHF contribution required
Apply through:
NHF / FMBN Loan
National Housing Fund · Federal Mortgage BankNigeria's lowest-rate mortgage, designed for registered workers. You must have contributed 2.5% of your salary to the NHF for at least 6 months to qualify.
Who qualifies:
- Registered NHF contributors (6+ months)
- Salaried & civil servants only
- Low & middle income earners
- Once-in-a-lifetime benefit
Apply through:
Conventional Mortgage
Standard commercial bank home loanIf you do not qualify for MREIF or NHF, tier-1 commercial banks offer standard mortgages. Rates are higher but loan amounts can be larger with fewer restrictions.
Who qualifies:
- Anyone with provable income
- No NHF contribution required
- Higher loan amounts available
- Suitable for high-value properties
Available at:
Buying from Abroad? MREIF Supports Diaspora
Nigerians in the UK, USA, Canada, and Europe can access the MREIF scheme at 9.75% p.a. Minimum 40% equity contribution. Requires 12-month bank statement, work permit, and credit reports from country of residence.
Compare
Side by Side Comparison
| Feature | MREIF | NHF / FMBN | Diaspora MREIF | Conventional |
|---|---|---|---|---|
| Interest Rate | 9.75% p.a. | 6% p.a. | 9.75% p.a. | 25–35% p.a. |
| Maximum Loan | ₦100,000,000 | ₦50,000,000 | ₦100,000,000 | ₦300,000,000+ |
| Maximum Tenor | 20 years | 30 years | 20 years | 20 years |
| Min Equity | 10% | 10% | 40% | 20–30% |
| NHF Contribution Required | No | Yes (6+ months) | No | No |
| Self-Employed Eligible | Yes | No | Yes | Yes |
| Where to Apply | Access Bank, First Bank | Abbey Mortgage, Infinity Trust | Access Bank, First Bank | Stanbic IBTC, FCMB, GTBank |
| Best for | Most applicants | Low-income workers | Diaspora buyers | High-value properties |
Process
How It Works
Apply Online
Complete our simple 5-step form. Takes about 10 minutes. Choose your scheme — MREIF, NHF, or Conventional.
Credit Assessment
We assess your income, debt-to-income ratio, and loan-to-value to determine your eligibility and maximum loan.
Lender Match
We match you with the right lender for your scheme — Access Bank for MREIF, a Primary Mortgage Bank for NHF.
Offer Letter
Receive a formal mortgage offer letter with your approved amount, rate, and monthly payment.
Move In 🏠
Sign your documents, pay your equity contribution, and get the keys to your new home.
Not Sure Which Scheme to Choose?
Use the calculator above or apply now — our team will recommend the best scheme for your income, employment type, and property value.