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"My own Home" scheme is a public-private partnership that seeks to increase access to housing finance in Nigeria through mortgages, mortgage guarantee/insurance and housing microfinance.

The "My own Home" scheme has come to institute a sustainable framework for ensuring improved access to housing finance for increased home ownership. The scheme will also provide awareness, education and practical tips to assist prospective homebuyers in their quest for housing financing.

Equity Contribution It varies depending on the Loan Amount desired by a Borrower from one mortgage operating bank to the other. Underwriting standard requirements vary from 20% to 50%.

How much do I need to contribute to get the "My own Home" Mortgage Guarantee? The "My own Home" Mortgage Guarantee is available to eligible applicants with insufficient or no equity contribution. Discuss with your mortgage banker to see the option that best suits you. foreclosure. (See Accessing Housing Finance in Nigeria - A Guide to Responsible Lending)

Tenure Typically between 15 and 25 years depending on the age of the borrower, their income and desired tenor.

What is the difference between this scheme and other housing schemes in Nigeria? The "My own Home" scheme has set up a framework that will revamp the housing finance sector and also make access to housing finance a lot easier through the following components:
  • Nigeria Mortgage Refinance Company (NMRC): Providing long-term refinancing of mortgages and standardizing mortgage procedures.
  • Mortgage Guarantee Scheme: Through this scheme, borrowers with insufficient or no equity contribution (initial down payment) can access mortgage for home ownership.
  • Housing Microfinance Scheme: Would stimulate increased lending to low-income earners in the formal and informal sectors in Nigeria through Microfinance Banks for incremental housing construction or housing improvement.
Contact For more information, kindly contact any of the following numbers or send a mail to
SEHINDE 08035261259
TITI 08062262032
DOTUN 08035947440
TAIWO 07060595678
KOFO 07045994844