Find the best home loan rates — from the FMBN 6% NHF scheme to government-backed bank mortgages.
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View all FAQsThe FMBN National Housing Fund (NHF) mortgage at 6% p.a. fixed is by far the cheapest — nearly four times cheaper than commercial bank rates. You must have contributed 2.5% of your basic salary to the NHF for at least 6 months to qualify.
The MREIF (Ministry of Finance Incorporated Real Estate Investment Fund) is a government-backed scheme offering mortgages at 9.75% p.a. fixed with up to 90% LTV through Stanbic IBTC. Minimum property value is ₦12.5M.
FMBN NHF mortgages require only 10% deposit. The MREIF scheme also requires a minimum 10% equity contribution. Standard commercial bank mortgages typically require 20%–30%.
