Mandate
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

• 1^st 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 NOT a 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.