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application.

Five short steps. Save and resume any time. No commitment, no credit check at this stage, and no fee for NHF-eligible borrowers.

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Route

Property

Income

Documents

Review

Step 1 of 5

Which route fits you?

NHF Mortgage

For salaried Nigerians contributing 2.5% of monthly pay to the National Housing Fund.

6.0% p.a. · up to ₦15M · 30 years

M-REIF Mortgage

Refinance facility designed for under-banked applicants who do not qualify for the NHF route.

9.5% p.a. · indicative

Classic Mortgage

Standard owner-occupier mortgage for self-employed or salaried applicants outside the NHF scheme.

14.0% p.a. · indicative

Diaspora Mortgage

For Nigerians living and earning abroad. USD-denominated income accepted with naira repayments.

22.0% p.a. · indicative

Step 2 of 5

Tell us about the property.

Property type

Property value

₦

Location

Property document on hand?

Step 3 of 5

Income & employment.

Employment status

Monthly gross income

₦

Employer / Company name

NHF contributor?

Step 4 of 5

Documents you'll need.

You do not need to upload anything now. Have these ready before your advisor call.

BVN (Bank Verification Number)

NIN (National Identification Number)

Last 3 payslips (or 6 months bank statements for self-employed)

Property document — signed contract of sale or title document

Government-issued photo ID (International passport, driver's licence, or voter card)

I have these documents ready, or I know where to get them.

Step 5 of 5

Confirm your application.

Route —

Property type —

Property value —

Location —

Employment —

Gross income —

By submitting, you authorise AG Mortgage Bank Plc to perform an indicative eligibility check using the information provided above. This is not a binding offer or commitment to lend. A mortgage advisor will contact you within two working days to discuss next steps. No credit bureau check is performed at this stage. All information is handled in accordance with the Nigeria Data Protection Act 2023.

Talk to a mortgage advisor

Not sure which product fits? We'll route you.

One call to walk through eligibility for NHF, M-REIF, Commercial, Construction, and REI. No commitment.