Personal Mortgages
A home is more than just a building — it’s security, stability, and a symbol of your success. At Bunyorofinance Bank, we make homeownership possible for individuals and families across Uganda with flexible, affordable mortgage solutions tailored to your needs.
Whether you’re buying your first home, building on family land, or investing in a property for the future, our mortgage products are built to support your journey — every step of the way.
Why Choose Bunyorofinance Mortgage Loans?
✓ Competitive Interest Rates
✓ Flexible Repayment Terms (up to 20 years)
✓ Quick Loan Approval
✓ Financing for Construction, Purchase, or Renovation
✓ Property Insurance Integration
✓ Expert Legal & Valuation Support
We believe that every Ugandan deserves the opportunity to own a home — and we’re here to help make that dream come true.
What Can You Use a Mortgage For?
- Home Purchase
Buy an existing house, apartment, or condo — in the city or upcountry. - Home Construction
Build a new home on your land with staged disbursements as construction progresses. - Renovation & Expansion
Upgrade or expand your current home — whether it’s new rooms, roofing, or modern finishes. - Land Purchase for Development
Secure titled land in a planned estate or residential zone for future construction.
Mortgage Loan Highlights
| Feature | Details |
|---|---|
| Loan Amount | UGX 10M – UGX 500M+ |
| Interest Rate | Starting from 15% p.a. (reducing) |
| Repayment Period | 5 – 20 years |
| Down Payment Requirement | As low as 10% |
| Collateral | Property being financed or other |
| Insurance | Mandatory home and credit life cover |
| Processing Time | 7 – 14 business days |
Note: Loan terms may vary depending on your income, credit history, and property value.
Eligibility Criteria
To qualify for a Bunyorofinance Mortgage Loan, you must:
✔ Be a Ugandan citizen or legal resident
✔ Be aged 21–60 years at the time of application
✔ Have a steady income source (employed, business, or diaspora)
✔ Provide proof of income (payslips, bank statements, etc.)
✔ Provide a copy of the land title or sales agreement
✔ Meet basic creditworthiness standards
We also support SACCO members and civil servants under partner programs.
Required Documents
Here’s what you’ll need to apply:
- Valid national ID or passport
- 6 months’ bank statements
- Proof of income (salary slips, business licenses, contracts, etc.)
- Sales agreement or building plan
- Copy of land title or leasehold agreement
- Completed loan application form
- Recent passport photos
- TIN certificate (if applicable)
Our mortgage team will guide you through legal and valuation processes after application.
Home Construction Support
We understand the challenges of building from scratch. That’s why we’ve simplified the construction loan process:
- Disbursement in stages (foundation, slab, roofing, finish)
- On-site inspections to ensure quality and progress
- Contractor payment coordination (optional)
- Ability to combine loan with your own savings
You’ll receive a clear project cash flow schedule to help you plan each step.
Property Valuation & Legal Support
To protect your investment, we provide:
🏠 Property Valuation
- Done by licensed valuers
- Based on market rates, location, and construction quality
- Helps determine your maximum eligible loan
📜 Legal Due Diligence
- Title verification and registration
- Search at Land Registry
- Mortgage deed preparation
- Coordination with sellers and legal reps
These services ensure that both you and the bank are protected throughout the transaction.
Mortgage Repayment Options
🗓 Monthly Installments
Fixed or reducing balance model, deducted from your account or via standing order.
🔁 Grace Period
Construction and new home loans may include a 3–6 month grace period before repayment begins.
🔄 Early Repayment
You can pay off your loan early with minimal penalties.
📊 Payment Adjustments
If your income changes significantly, we can adjust your payment plan through our restructuring option.
Mortgage Calculator
Want to estimate your monthly repayments?
Use our online mortgage calculator at:
www.bunyorofinancebank.com/mortgage-calculator
Input your loan amount, preferred term, and interest rate to see your estimated monthly installment.
Diaspora Mortgage Options
Are you working abroad and planning to invest back home?
We offer specialized mortgage products for Ugandans in the diaspora:
- Send documentation digitally
- Remote application support
- Verified agents and developers
- Secure property ownership processes
- Dedicated diaspora banking desk
Reach out via diaspora@bunyorofinancebank.com
Apply in 5 Simple Steps
- Visit a branch or apply online
- Meet with a mortgage officer for guidance
- Submit your documents
- Undergo valuation and legal checks
- Receive your funds and start your journey to homeownership!
📍 Available At These Bunyorofinance Locations:
- Kampala (Main, Nakawa, Wandegeya)
- Hoima
- Masindi
- Fort Portal
- Selected SACCO partner locations
We also offer mobile mortgage workshops in rural areas.
🛡️ Integrated Insurance
Every mortgage comes with:
- Property fire and flood insurance
- Credit life cover (protects your family from debt in case of death or disability)
- Optional income loss cover (for added security)
We partner with leading insurers to offer favorable group premiums.
🎯 Why Choose Bunyorofinance Mortgage Loans?
✓ Transparent and fair pricing
✓ Personalized guidance from trained officers
✓ Access to local real estate networks
✓ Fast processing with support at every stage
✓ Community-rooted approach to home financing
We’re not just financing homes — we’re building stronger communities, one family at a time.
📞 Ready to Own Your Dream Home?
Visit www.bunyorofinancebank.com/mortgage
Or email: mortgages@bunyorofinancebank.com
Your keys are closer than you think.