FMBN non-interest mortgage

A home of your own.A future to build.

Ijara Lease-to-Own (IMBT)

Discover a non-interest path to homeownership. Understand the product, explore the process and take the next step towards a home of your own.

Express your interest Explore non-interest products

NHF contributor or not, you can register your interest.An expression of interest is not a mortgage application.

Illustrative modest single-storey homes with pitched roofs and small gardens along a Nigerian estate street
Illustrative affordable housing

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A clear path to ownership

How lease-to-own works

Move in, pay rent, then own your home. Explore each stage of the Ijarah journey.

Step 1 of 3

Your home to live in.

Under the Ijarah structure, you live in the home while FMBN retains ownership. Any initial contribution you make is your share from the start.

While you lease

Your signed agreements define the payments, responsibilities and ownership-transfer process.

Any contribution you make is your share from the start.

Understand the terms and responsibilities

The steps to your home

A clear path, from understanding your options to tracking your application.

  1. Understand the product

    Review lease-to-own terms and requirements.

  2. Check eligibility

    Verify your NHF details with the code sent to your NHF-registered email.

  3. Create your account

    Set up your profile and secure access.

  4. Choose a property

    Explore homes available under your product in your FMBN account.

  5. Apply and track

    Submit documents and follow your application.

See the full journey

Applying after you register interest

You do not need an NHF number to express interest. To apply for the current NHF product, start with your NHF number. Where verified information is available, it is retrieved for you. Property selection and supporting documents remain inside your secure account.

How we use your information

NHF number

Have your contributor number ready for identity verification.

Contact details

Use an email address and phone number you can verify.

NHF-registered email

Have access to the email on your NHF record to receive your verification code.

Supporting documents

Upload requested evidence later in your FMBN account.

Common questions

What does non-interest lease-to-own mean?

It is an Ijarah lease that ends in ownership of the home. Rental obligations, responsibilities and the ownership-transfer process are set out in the approved agreements.

Do I need to be an NHF contributor?

The currently available NHF Ijarah product requires active NHF contributions for at least six months and first-time NHF facility use. Start the eligibility check for guidance.

What if I am not an NHF contributor?

You can register interest in Non-Interest Mortgage Products without an NHF number. Interest registration is separate from eligibility and applications.

Does verifying my NHF number mean I am approved?

No. NHF verification confirms contributor information and lets you create your account. Final approval follows application, affordability, property and supporting-evidence reviews.

Where can I see available properties?

Available properties for your selected product are shown after you sign in to your FMBN account.

Visit help and support

Check your eligibility

Verify your NHF number by email, create your account, then apply from your portal.

Check eligibility Get help

Support access to Non-Interest Mortgages

Developers, property owners, employers and cooperatives can propose relevant housing and participation partnerships.

Partner with FMBN