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

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