We can make your dream of owning a home a reality. Choose from the UBA Homes mortgage options designed to help you own your home conveniently.

The more you know, the easier it is​

Whether you are planning to buy a land and build later, or commence construction or buy an already developed home, we are there all the way as a trusted companion, guiding and supporting financially when others fail to.

Available mortgages

Our well thought-out loan choices with peculiar features to suit your needs, aspirations and financial conditions is a must to experience.

  • Developed Home Purchase
  • Land Acquisition
  • Home Construction
  • Home Renovation
  • Existing Mortgage Refinance


  • Variable Interest rate benchmarked against UBA Prime Lending Rate (PLR)
  • Loan tenor of up to 20 years
  • Loan Amount up to 80% of property value subject to a maximum amount of N70m for properties in Lagos.
  • Loan Amount up to 80% of property value subject to a maximum amount of N40m for properties in Abuja, Enugu or Port Harcourt.
  • Access to salary advance, asset finance and mortgage
  • Freedom to repay loan in full without prepayment penalty
  • Monthly or structured pre-agreed repayments terms
  • Interest only repayment allowed up until completion for properties under construction
  • Progressive drawdown against bank approved Quantity Surveyor’s certificate reduced or no COT on linked account
  • Negotiable management fee

Steps to Property Ownership

Step one (Find out your capacity limit)

  • How much you can afford to service your mortgage loan will determine how much you can borrow and hence the worth of the property you can acquire. At UBA we will pre-qualify you based on your income and other ascertainable resources and give you an indicative guide of the value of the property you should be prospecting

Step two (Research Property)

  • Armed with your worth and financial support, you could commence the search for your dream home. Your taste, style, location, facilities etc are paramount and you should have your checklist. UBA could assist with introduction to experienced developer, but since you “pay the piper, you dictate the tune”.

Step three (Make a formal offer)

  • Once you are satisfied with what to buy, make a formal request to UBA backed by your own equity contribution. Seek other documentation requirements.