Oops! It appears that you have disabled your Javascript. In order for you to see this page as it is meant to appear, we ask that you please re-enable your Javascript!

Home Loans and Mortgages

Take the stress out of financing. Apply for a mortgage or home loan through homesinuganda.com

Banks and Lenders Affiliated to Homes in Uganda

Housing Finance has carved a niche for itself through dedication and client focused approach.


No paperwork, get loan in 7 days. KCB will offer a loan that is just right for all your housing needs. 

 Stanbic Bank provides expeditious home loan services and their efforts are much appreciated clients.

DFCU Bank’s Home Loan will help you in making your dream home a reality. The loan features are good!

Apply for a Home Loan!                                                      Apply for Mortgage

What you should do After Taking the Loan or Mortgage?

We call it being Smart. So here is some information to help you plan and better manage your loan and mortgage repayments

 Here are four ways to kill off your debt and remain smiling:

  1. Increase your EMI outflow-You will end up paying off your debt faster if you can consider the option of increasing your EMI outflow.
  2. Switching to a bank offering better interest rates- If you find that you are stuck in a higher band of interest for a long period of time compared to the current market rates, you can consider switching your loan to a bank which offers you a loan at a better rate of interest.
  3. Partial pre-payment of loans– Every time you get some cash from family or friends or any other sources, direct them towards making pre-payments on your home loan.
  4. Finally, talk to Homeinuganda.com if things seem not to work out!

We have compiled below some of the ways for you to better plan your EMIs:

  1. Changing your perspective about your loan– The first thing to keep in mind is that your job should help you pay it off. And if you have assets or other investments, do not squander your money.
  2. Shouldering responsibilities in a better way–  If you are married, separate your loan and savings accounts. This way, the home loan EMI can be deducted from your spouse’s salary account, while all the household expenses are taken care of by the other spouse’s salary. You can also open up a joint account where you can build a contingency fund bit by bit, so you do no miss even a single EMI.
  3. Considering pre-payment option– This can be a great thing to do. If you do say a wedding anniversary, friends and family may give you some cash. Instead of spending this chunk of money on a fancy curved LED TV, make a partial pre-payment on your loan. Let the TV or Car wait!

Most of often, there are times in life when one is faced with an unavoidable financial crunch and as a result may end up missing some EMI payments. In such cases, your bank will allow you pay the missed EMI with that of the next month. Its important to know that missing your EMI payments can call for fines as below:

A top up loan is an additional amount of loan you can borrow from your bank if you have a home loan account with it.

More info coming soon…

Coming Soon…..

Sometimes you may become too busy with life to remember this information but you can stay in touch with us to help you in anyway. Here are ways to stay in touch

  • Like our Facebook page
  • Follow us on Twitter
  • Subscribe to our newletter
  • Request us to keep you in our database of clients who have take mortgage and need advisory assistance
  • Have our contact Numbers with you

Coming soon…

  • Switching Home Loan to another bank
  • Get balance transfer
  • Pre-closing your loan before home loan matures
  • How to close it without pain
  • Can you sell your property before the loan matures?  What are the implications?

Loan and Mortgage Calculator

Use this calculator to estimate your monthly payment.

Down Payment: Is the amount of money you will put towards a down payment on the house.

Loan Term: This is the length of time you choose to pay off your loan.

Interest Rate: Is the interest rate for the loan you will receive.

Property Tax: Is the annual tax on homeowners’ property.

Property Insurance: This is for damage protection for your home.

PMI:  This is required to protect lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan.

Loan Calculator Mortgage Calculator
Mortgage CalculatorMortgage CalculatorLoan Calculator
UGX per year
UGX per year

Repayment Rate

97% of the people who get home loans manage to pay back

We are committed to providing fast and flexible solutions to your financial needs with affordable and flexible housing loans that can turn your dream of owning a home into reality.

Apply for a Home Loan!

We’ve got home loans to meet every housing need that you may have- afresh approach to Home Financing…

Apply for a Mortgage!

It is the only cost effective way of borrowing. Not having enough Internet to fill the form, call us on your phone.