Mortgage Loans
Affordable and Flexible Housing Finance Tailored for Individuals and Property Developers
At Kebbi State Home Savings and Loans Ltd we understand that owning a home is more than just a dream, it’s a life goal. That’s why we offer mortgage loan solutions that are designed to make homeownership easier, more affordable, and accessible to everyone, whether you’re an individual buyer or a property developer.
What is a Mortgage Loan?
A mortgage loan is a long-term financing option that allows you to purchase residential or commercial property while spreading the cost over an agreed repayment period. With the property serving as collateral, you can secure the home you need without paying the full price upfront.
Who Can Apply?
We provide mortgage loans to:
Salaried individuals
Self-employed professionals
Real estate developers
Cooperative societies
Government and private employees
Our Mortgage Loan Features
Competitive Interest Rates: Enjoy rates designed to make repayment manageable.
Flexible Repayment Terms: Choose from short to long-term repayment options.
High Loan Amounts: Finance up to 80% of the property value, depending on your eligibility.
Fast Processing: We ensure a smooth and timely application and approval process.
No Hidden Charges: Transparent fee structure for better planning.
Requirements
To apply for a mortgage loan, you’ll typically need:
Completed application form
Valid means of identification (e.g., National ID, International Passport)
Proof of income (Payslips, bank statements, or audited business records)
Title documents of the property
Valuation report (for existing property)
Credit history (if applicable)
Passport photographs
Additional documents may be requested depending on the loan type or applicant profile.
Types of Mortgage Loans We Offer
Home Purchase Loan
Buy a residential property of your choice — whether a house, flat, or duplex.Construction Loan
Build your home from the ground up with financing support tailored to project stages.Home Improvement Loan
Upgrade, renovate, or expand your existing home with affordable loan packages.Developer Financing
Fund estate or apartment development projects with large-scale loan support.
Why Choose Us?
Trusted and licensed Primary Mortgage Bank
Over 30 years of experience in housing finance
Dedicated mortgage advisors and customer service
Strong partnerships with estate developers and housing agencies
Get Started Today
Whether you’re buying your first home or building your next, our team is here to guide you every step of the way.