What we do
Nigeria does not have a housing shortage so much as a housing finance shortage.
Developers cannot raise affordable construction capital. Buyers cannot access mortgage terms they can service. Infrastructure that would make land developable never gets funded.
Our four funds address different points of failure in the housing market.
Our funds
Four funds, four points of impact
Affordable Housing Fund
The Affordable Housing Fund provides construction financing to public and private sector developers dedicated to building quality, affordable homes across Nigeria.
For public and private developers with a track record of delivery.
Learn more
Home Ownership Fund
The Home Ownership Fund (HOF) enables eligible households to access long-term, low-cost mortgages to purchase their own homes.
For individuals buying their first property.
Learn more
Rental Housing Fund
The Rental Housing Fund supports the development and financing of structured rental housing programmes, including Student Housing and Homes for Rent, through partnerships with public institutions, private developers and development partners.
For developers and tertiary institutions.
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Land and Infrastructure Development Fund
FHFL’s dedicated fund for housing-enabling infrastructure, financing and coordinating essential services while fostering public and private-sector partnerships to accelerate housing delivery across Nigeria.
For public and private landowners and infrastructure developers.
Learn moreHow we work
How financing works with us
Every fund follows the same three stages. What differs is who is eligible, what we will finance and what we need to see. Each fund page sets that out in full.
You apply
Submit your proposal through the fund that fits your project.
We assess
We assess the proposal for eligibility and viability.
We respond
We come back to you with a decision.
“FHFL helps developers unlock the financing and partnerships needed to deliver affordable housing at scale.”
Beyond financing