Access Mortgage Advantage

Do you need a financial solution for acquisition of residential or commercial real estate?

Access Mortgage Advantage can give you the needed leverage.

Open an account now

Project Finance

Are you a corporate or an individual with a verifiable source of income in Nigeria or abroad? Are you employed or self-employed? Access Mortgage Advantage is designed to suit your need.

Offerings

My First Home Mortgage Savings Plan: 20% equity to be saved on month-by-month basis over 24 months and mortgage will be availed upon completion of savings.
Easy Home Mortgage: regular mortgage plan with customer’s equity of a minimum 20% for employed and self-employed persons. Facility limit is N500 Million for individuals and N5 Billion for corporates.
Off-Plan Mortgage: This mortgage is to finance in milestones, the construction or completion of a property in the bank’s approved project.
Home Equity Loans: Access up to 50% of your home's Forced Sale Value (FSV) for refinancing, business expansion, or personal financial needs.
Outbound Diaspora Mortgage Lending Product: A home loan product tailored for C-Suite executives and top management staff of Tier 1 corporate and government parastatals in Nigeria, enabling them to part-finance the purchase of residential properties abroad.
RSA-Backed Mortgage: A home loan product that allows pension contributors to access up to 25% of their Retirement Savings Account (RSA) balance for the purchase of a residential property, in line with pension fund regulations.

Commercial Mortgage Offerings

Direct Mortgage: For acquisition of commercial real estate where the Loan-to Value shall not be more than 70%. This is for investment in commercial real estate where rental proceeds from commercial properties shall be applied to meet mortgage obligations. This facility is open to Corporates, self-employed persons and individuals.
Commercial Equity Release: To release value from an existing commercial property to be invested in the borrower’s business. Loan amount not more than 50% of Forced Sale Value.

More benefits for you

Higher loan amounts of up to N500 million for individuals and N5 billion for corporates
Longer loan tenor period of 30 years on some facilities
Re-defined active work-life age of 65 years
Properties free from encumbrance
Joint Mortgage loans (product) - you could include your spouse, child, parent or sibling as a co-applicant for the loan