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Residential Mortgage

Your Home, Your Dream,
Our Mission.

Nigeria's specialist mortgage bank. Over 30 years of turning homeownership dreams into reality across the federation.

National Housing Fund Loan

NHF Loan at Only
6% Per Annum.

Access up to ₦50 million with a 30-year repayment period. Nigeria's most affordable home finance scheme.

MSME Retail Loan

Powering 620+ Small
Businesses Across Nigeria.

CBN-approved MSME financing for businesses with viable operations and strong account history. Quick disbursement guaranteed.

33
Years of Service
620
+ MSME Businesses Funded
50k
Customers Served
6%
NHF Rate p.a.
30yr
Max Loan Tenor
LivingTrust Mortgage Bank
CBN Licensed
NDIC Insured
1993
Est.
About Us

Nigeria's Specialist Bank in
Mortgages & Housing Finance

Incorporated in 1993 and listed on the Nigerian Stock Exchange since 2013, LivingTrust Mortgage Bank Plc is a primary mortgage institution regulated by the Central Bank of Nigeria. We are not a general bank — we are specialists, and that focused mastery is what sets us apart.

Over 30 years, we have financed thousands of homes across Nigeria, funded estate developments across multiple states, and empowered over 620 small businesses through CBN-approved MSME financing.

NSE Listed Since 2013
CBN Regulated PMI
NHF Participating Bank
NDIC Insured Deposits
Learn More About Us Open an Account
Our Products

Loans & Mortgage Products

From your first home to your growing business, we have a product tailored to your needs and your pocket.

NHF Loan @ 6% Per Annum

A special scheme administered by FMBN. Provides financial support to build, buy, renovate or improve your home with up to ₦50m over 30 years.

6% p.a. | Up to ₦50M | 30 yrs tenor
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Residential Mortgage

Designed to finance the acquisition or construction of a residential property. Flexible tenors aligned to your income and financial goals.

Competitive rates | Flexible tenor
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Home Improvement Loan

Finance the renovation, expansion or repair of your existing property. Quick processing and disbursement to get your project started fast.

Quick disbursement
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Personal Loan @ 10.75%

A salary-backed product for employees of reputable organisations. Quick disbursement within 24 hours to empower your financial independence.

10.75% p.a. | 24hr disbursement
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Estate Development Loan

Designed for property development firms and structured cooperatives. Finance commercial real estate and large-scale estate development projects.

For corporate bodies & cooperatives
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MSME Retail Loan

Meets the financial needs of clients with viable businesses and sound account history. Accessible financing for small and medium enterprises nationwide.

CBN Approved | Nationwide
Learn More
View All Products
What We Offer

Banking Services Built Around You

From homeownership to business growth, every financial solution you need is right here — trusted by thousands of Nigerians for over three decades.

Mortgage Loans

NHF, Residential & Commercial — own your dream home today
Personal Loans

Fast approval, flexible terms — salary-backed disbursement in 24hrs
MSME Financing

CBN-approved small business loans — funding growth across Nigeria
e-Banking

Bank anytime, anywhere — secure digital banking at your fingertips
Find a Branch

Multiple locations nationwide — always close to where you are
Banking Services
CBN Licensed & NDIC Insured
Your deposits are protected. Always.
4
Branch Locations
Our Foundation

Our Core Values

Purposeful

The pursuit of profits is not our singular purpose. We fix our gaze on the processes we combine to deliver on our promises, bringing satisfaction to all our stakeholders.

Integrity

Trust and Integrity are the DNA of our existence. We carry out all businesses in strict adherence to integrity, and in compliance with best practices. We never compromise.

Empathy

We understand and feel the needs of all stakeholders because we work together to achieve a common goal, and we strive harder to meet their expectations.

Entrepreneurial

We take calculated risk in the most responsible manner, daily applying the best of ourselves. We implement the right strategy from start to finish, with no loss of enthusiasm.

Excellence

We simply mandate ourselves to do what is right and superb all the time. We acknowledge difficulty, but we are not a believer in impossibility.

Transformational

We are constantly evolving — faster than our customers, faster than the business environment, and faster than competition to continuously win in the market.

Banking Services

Full-Suite Banking Services

Beyond mortgages, we offer a range of savings accounts and digital banking features to help you grow and manage your finances with ease.

Target Savings Account

Save specifically towards a project or goal with our structured savings plan.

Open Account
Verve Debit Card

Withdraw on any ATM nationwide and make payments at POS terminals across Nigeria.

Learn More
Interbank Transfers

Instant fund transfers to any bank account in Nigeria via NIP and other platforms.

Learn More
USSD Banking

Perform transactions on your registered phone number — no internet required.

Learn More
Star Kiddies Account

Invest in your children's future. Accumulate savings that grow alongside your family.

Open Account
Term / Fixed Deposit

Fix your cash for 30–180 days and earn attractive returns on your investment.

Open Account
Automated Direct Debit

Set up regular automated payments to organisations or transfer to other accounts.

Learn More
Gold Account

Tailored for high-income earners with access to banking facilities and working capital.

Open Account
View All Banking Services Open an Account
Recognition

Our Awards & Accolades

Our commitment to excellence has been recognised by leading institutions across Africa's financial services industry.

Customer Appreciation Award
2021 · Interswitch Group
Customer Appreciation Award
OFI with Highest Impact on Start-ups
2022 · DBN Service Ambassador Award
OFI with Highest Impact on Start-ups
Africa Mortgage Bank of the Year
2021 · Africa Housing Awards
Africa Mortgage Bank of the Year
Mortgage Bank CEO of the Year
2022 · Independent Finance Awards
Mortgage Bank CEO of the Year
OFI with Highest Impact on MSMEs Accessing Credit
2022 · DBN Service Ambassador Award
OFI with Highest Impact on MSMEs Accessing Credit
Mortgage Bank of the Year
2022 · Independent Finance Awards
Mortgage Bank of the Year
Africa's Most Reliable Mortgage Bank Brand of the Year
2022 · Africa Fintech Brands Innovation Award
Africa's Most Reliable Mortgage Bank Brand of the Year
View All Awards

Our Regulatory & Technology Partners

AppZone
Development Bank of Nigeria
Federal Mortgage Bank of Nigeria
Interswitch
NDIC
NIBSS
NMRC
What Customers Say

Words From Our Customers

The LivingTrust team made my homeownership dream a reality. The NHF loan process was smooth, and my account officer was incredibly professional. I received my funds faster than expected.

A
Adewale Bode
NHF Loan Customer, Lagos

I expanded my fashion business thanks to the MSME loan from LivingTrust. The process was transparent, the staff genuinely helpful, and the repayment terms were structured for my business cycle.

J
John Chukwuemeka
MSME Loan Beneficiary, Abuja

As a government employee, getting a personal loan was always stressful — until LivingTrust. My loan was approved quickly and the deduction process was seamless. Highly recommended.

B
Bello Ibrahim
Personal Loan Customer, Ilesha

LivingTrust financed our estate development project from start to finish. Their knowledge of Nigerian real estate is unparalleled. They are truly the specialist bank in this sector.

C
Chidi Madueke
Estate Developer, Akure

Ready to Own Your Home?

Talk to our specialist mortgage advisors today. We'll match you with the right product and help you navigate every step of the process.

Open an Account Contact Us
LivingTrust Mortgage Bank

LivingTrust Mortgage Bank Plc — Nigeria's specialist primary mortgage institution, regulated by the Central Bank of Nigeria since 1993.

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