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Zambian Home Loans





To be recognised as a household name and mortgage finance mortgage market leader, providing innovative, reliable and efficient solutions to Zambia’s’ housing deficit.

Purpose: Helping Zambia bridge the housing gap.

Business Overview

  • 1st specialised mortgage Finance company Zambia
  • Focused on low and medium income groups
  • Fastest growing mortgage segment
  • Helps borrowers to complete their house or build new house

About ZHL

  • Established in 2014, Zambian Homeloans Limited (ZHL) has been in the Zambian Financial Services Industry for just over two years now.
  • It is a JV between Investrust, African Life Financial Services and Sofala Capital of South Africa.
  • ZHL is regulated by the Bank of Zambia, designated as a Financial Business under the Banking and Financial Services Act.
  • ZHL is NOTa microfinance institution.
  • Our core business is to provide financing for the construction of residential housing.
  • The product is provided in partnership with selected employers for their employees.

Visit the ZHL website for more information