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Afia Homes

MORTGAGE

Home Loans with Afia

Making Homes Ownership More Accessible

Owning a home should feel possible—not out of reach. Through Afia’s partnership with Stanbic, we’re introducing flexible home loan solutions designed to help you take the next step toward owning your home with confidence.
 
Whether you’re buying your first home, building, or refinancing, Afia connects you to trusted mortgage options with longer repayment periods and terms tailored to your financial reality.

Why Choose AFIA?

Single-Digit Interest Rates

Benefit from competitively priced home loans with single-digit interest rates, making monthly repayments more affordable and long-term homeownership achievable.

Flexible, Long-Term Repayments

Enjoy extended repayment periods that reduce financial strain and allow you to plan comfortably.

Trusted Partnership with Stanbic

Our mortgage offering is powered by Stanbic, a leading financial institution with proven expertise in home financing.

Simplified Homeownership Journey

Afia helps you get started easily, then connects you directly with the bank to complete your mortgage process seamlessly.

Designed for Accessibility

We’re focused on making quality housing finance accessible to more people—not just a select few.

Our home loans come at a single-digit interest rate of 9.75% per annum, making homeownership more affordable and accessible for our customers.
The mortgage repayment period ranges from a few years up to 20 years, giving buyers flexibility to choose a plan that fits their financial situation.
The maximum loan available through the AFIA Homes home loan program is ₦100 million, providing access to a wide range of properties while keeping repayments manageable.
 
To secure a home, buyers are required to make a minimum personal equity contribution of 20%, helping ensure a smoother and more secure path to homeownership.
All home loans are provided in partnership with Stanbic IBTC Bank, one of Nigeria’s most trusted and reputable financial institutions. AFIA Homes facilitates the process to make owning your home simpler and more accessible.
 

Who Can Apply?

Afia home loans are suitable for:

  • First-time homebuyers
  • Individuals purchasing residential property
  • Professionals and families looking to own a home
  • Eligible applicants seeking structured, long-term financing

(Eligibility and terms are subject to Stanbic’s lending criteria.)

How It Works

1. Pay Your Deposit
Once your desired home is available, you’ll make the required deposit to secure the property.
 
 2. Open a Stanbic Account
After paying your deposit, you’ll complete a Stanbic account opening form. This account will be used for your mortgage repayments.
 
 3. Mortgage Processing Begins
Once your account is set up, Stanbic will take over the process—reviewing your application, finalising terms, and managing your mortgage directly.
 
 4. Move Forward with Confidence
With your mortgage in place, you’re one step closer to owning your home with flexible repayment options.
 

Your Home, Within Reach

At Afia, we believe access to quality financial solutions can change lives. Our home loan offering is part of our commitment to helping more people turn long-term goals into reality.
 
Start your journey to homeownership today.

All mortgage approvals, interest rates, and repayment terms are subject to Stanbic’s lending criteria

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