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 20years for loan in UGX and 10years for loan in USD


  • Competitive Interest rates
  • High loan amounts
  • Long tenor period to allow repayments for up to 20 years.
  • Guaranteed response within 24 hours
  • Loan amounts dependent on your income and property value



  • Both Citizens and Non-Citizens*
  • Minimum age 25
  • Both Salaried and Self Employed customers meeting all the specified requirements
  • Professionals and consultants who earn a regular monthly income
  • Collateral must be in Uganda.

Duly completed and signed home loan application form with the following documentation attached;

Personal details

  • Work ID/Valid Identification such as passport
  • Financial Card
  • Tin number
  • 3 passport size photos
  • Proof of Nationality e.g. passport/voters card
  • Proof of residence e.g. Utility bill, Tenancy agreement
  • For Equity release and refinance mortgages involving matrimonial homes; provide spousal consent and marriage certificate. For the spouse in question, provide a valid identification and a passport size photo. Other requirements on matrimonial homes are set out in the offer letter.
  • If single provide a statutory declaration to that effect.

Sources of income to be considered

  • Salary
  • Rent income
  • Business income

Income details

    • If employed;
      • 3 Months pay slips
      • 6 Months back account statement(s)
      • Salary advance details if any
      • Loan statements where applicable
    • If self-employed;
      • 12 Months bank account statements. (For all bank accounts).
      • 2 year audited books of accounts where applicable.
      • Provide business contracts where applicable.
    • Additional income;
      • Rental income: Should be evidenced on a bank account, provide certificate of title and tenancy agreements.
      • Commission: Should be regular and evidenced on a bank account for the last 6 months.
      • Allowances: Should be regular and evidenced on a bank account for the last 6 months.
      • For salaried individuals, income from side businesses can be considered.

Employment / Business details

    • If employed;
      • Letter of undertaking from employer
      • Copy of employment contract
      • Copy of appointment letter
    • If self-employed;
      • Proof of existence e.g. certificate of incorporation / registration
      • Proof of ownership e.g. Company form stating shareholding
      • Memorandum and Articles of association for a limited liability company

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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