Make your home dream come true with the dfcu Home Loans. This is ideal for buying a house, completing or renovating a house, equity release and refinancing.


  • Maximum amount is based on affordability
  • Mortgage protection cover
  • Attractive interest rates
  • Maximum age is 65 years
  • Equal installments paid by formally employed individuals
  • Non equal payments paid by individuals with irregular cash flows.
  • Available in UGX and USD currencies
  • Repayment amount not more than 50% of net income
  • Loan payable in 20 years for loan in UGX and 10 years for loan in USD


  • Long repayment period of up to 25 years
  • High loan amounts of up to 85% of the Open market value
  • Loan repayments of up to 50% of your ascertainable Net income
  • Loan payable on a reducing balance basis in predictable equal monthly instalments
  • Competitive interest rate.
  • Dedicated relationship manager
  • 48hrs response time.
  • Time to money (14 working days)
  • Maximum of 65 years


Application Eligibility 

  • Ugandans in diaspora
  • Salaried Ugandan citizens, permanent residents, and expatriates
  • Self-employed nationals working with well established businesses within Uganda.

Personal details:

  • Completed and signed application form
  • 3 colour passport sized photos
  • Copy of Valid National ID / passport
  • Financial card for the borrower
  • Employment contract
  • Copy of valid work permit for expatriates

Income details:

Salaried clients 

  • 3 Color passport photos
  • Financial card for the borrower
  • Employment contract
  • Copy of valid work permit for expatriates
  • Pay slips for the last 3 months
  • Latest 6 months Bank statement from other banks
  • Loan statements where applicable


All documents issued outside Uganda, must be notarized by a notary public of that location

Other income:

  • Rental income – attach Tenancy agreements and copies of titles on which the rentals sit.

Self- employed customers

  • 12 months bank account statements (Business and personal accounts)
  • Partnership agreement showing profit sharing arrangements
  • Certified copy of Certificate of Incorporation or business registration
  • Copy of Valid practising certificate
  • Valid Trading License
  • Proof of ownership i.e., company form 7
  • Memorandum and articles of association
  • Financial cards for entity and borrower
  • Latest Annual returns (for business/ companies)

 Property details:

  • Copy of title deed. (For valuation)
  • Approved building plans / Letter of commencement
  • Bills of quantities (For construction
  • Sale agreement/ letter of intent (for purchases)
  • Consent to mortgage (for lease hold facilities)

Your Loan Amount
Monthly Payments
Total Interest Paid
Total Loan Payments

Disclaimer: The calculators on this website are being provided for illustrative purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of a customer’s eligibility or terms for a specific product or service.

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