1.       Standard Chartered Bank

Standard Chartered Bank allows borrowing up to 90% of the value of your property and their financing solutions are flexible to cater for a variety of needs ranging from equity release, purchase, renovation to refinancing

Standard Chartered Bank boosts of competitive interest rates, high loan amount, long tenor period, and fast response.

Their fees and Charges include; interest rates, arrangement fees, valuation fees, Legal fees, stamp duty, fire & perils insurance.


  • Both Citizens and Non-Citizens
  • Minimum age 25 years
  • Both Salaried and Self-Employed customers meeting all the specified requirements
  • Professionals and consultants who earn a regular monthly income

Here is the link to the main Page of their Mortgage products

2.       Housing Finance Mortgage Loans

House Finance provides a range of Home loan products, and some of these are; –

 Incremental housing mortgage

This a short-term loan facility for incremental home building and improvements. The incremental housing loan product comes with features like; loan amount from 200,000Ugx up to 30mUgx, loan duration of up to 3 years, and so on.

The major benefit of this loan is the flexibility in providing credit for incremental building, nature of securities acceptable, and the repayment period.

Home Loan

With this type of loan, you can purchase/complete your residential property and you can access up to 80% of the finance to enable you realize your dream. The home loan products include;

  • Buy a home loan
  • Growing house loan
  • Land loan

Mortgage Products

Equity Release With this type of loan, you take advantage of the equity in your property to finance personal/ business needs. The maximum loan is up to 300 million shillings not exceeding 60% of the property value and its payable in a maximum period of 10 years.

Kyapa loanShort term loan extended to seating tenants on Kabaka’s land to enable them to process their titles and access other credit facilities using their titles as security.

Construction Mortgage

Access a loan amount of up to 80% of the property value and is payable in a maximum period of 20 years.

You can find more about these loan products by clicking here Mortgage & Development Finance

3.       Centenary Bank

Cente Mortgage Loan

This 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.

Some of the benefits of this loan include; comparatively low interest rates, no monitoring fees charged, flexible repayment plan, etc

To know more about these loans, visit this link Cente Mortgage Loan

4.       Absa Bank formerly Barclays Bank

Below are the Mortgage products provided by Absa Bank Uganda formerly known as Barclays Bank Uganda

Home Purchase- This is designed to help you buy any new or existing residential property.

Equity Release- Designed so that you can borrow money against an existing complete house.

Re-mortgageWhen you have a mortgage with another financial institution you can transfer it to ABsa Bank to benefit from their wide range of product offerings and services.

Buy to LetBuild a property investment portfolio for yourself by purchasing property that you rent.

Here is a quick link to their products page Absa Bank Home Loans

5.       Stanbic Bank

Stanbic Bank recognizes that it has different customers with different housing needs. The Home Loan proposition is specific for individuals who are interested in; buying a house, completing house construction, and Equity release (using your property as collateral for cash).

This Home loan offers favorable terms of payment, very beneficial and both salaried & non-salaried individuals whose net income is above 3mUgx can apply.

Visit their website to learn more  Stanbic Bank Home loans

6.       Post Bank Uganda

Post Bank provides Kyappa loans with very attractive interest rates, flexible payment mode, grace period, very low starting loan range amounts, etc. This loan is ideal for Kibanja owners, landless people, people who want to expand acreage, or people who are deriving their livelihood from the land.

To read more about this loan visit Kyappa Loans

7.       Bank of Baroda

The bank provides loans to both individuals and joint names and the loan can be taken for;

  • construction of new dwelling
  • purchase of old houses
  • repayment of loan availed from other banks / institutions for the purpose of financing house
  • purchase of plot to construct a house within a period of 2 years from the date of purchase.

To read more about this housing loan follow this link Bank of Baroda Housing loans

8.       CBA Bank Uganda

This bank provides personal Mortgages that allows you to purchase residential properties and can access up to 80% finance to achieve this dream. The personal Mortgage has a maximum repayment period of 25 years and affordable interest rates. Properties financed under this product should be within the radius of 20km from Kampala city center and Entebbe Municipality.

Here is the link to their Mortgage finance product- Personal Mortgage

9.       Bank of Africa Mortgage

Bank of Africa provides Mortgage Home loan which can be used for purchase or completion of a residential property, purchase of land, home improvement, refinance, home extension or home construction.

This loan is available to both salaried and non-salaried customers with a verifiable source of income.

Click here for more about Bank of African Mortgage Home Loan

10.     ABC Capital Bank

ABC Capital Bank’s Mortgage Home Loans are designed to effectively respond to the great need of housing loans in Uganda and these include for; purchase of plots, construction, refinancing, etc.

Click here for more information about ABC capital Mortgages       

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