Mortgage Calculator

Work out what a home, plot or construction loan would cost you each month, what you need upfront, and how much you can borrow on your income. Then apply to licensed lenders without leaving your account.

What is the loan for? Price or project cost (UGX) Your deposit (UGX) Interest rate (% a year) UGX home loans in Uganda are typically 16–19% a year and usually variable; USD loans are lower but carry exchange-rate risk. Term (years) Your take-home pay a month (UGX) Other loan repayments a month (UGX)

Monthly repayment—

Loan amount: —
Loan-to-value: —
Total interest over the term: —
Total repaid: —

Cash you need upfront

Deposit: —
Bank arrangement fee (about 2%): —
Stamp duty on the mortgage (0.5% of the loan): —
Stamp duty on the transfer (1.5% of the price): —
Valuation, legal fees and insurance: Quoted by the lender
Total before legal fees: —

What you can borrow

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Loans from licensed lenders

Lenders are joining now. Every bank, credit institution, SACCO or money lender listed here holds a licence from the Bank of Uganda or the Uganda Microfinance Regulatory Authority, which we check before their loans appear.

Before you apply

Title. Lenders want a registered freehold, leasehold or mailo title in the seller's name; some accept a certificate of customary ownership. Ask for a search at the land registry before you pay anything.
Financial Card and credit history. Banks check you with the Credit Reference Bureau using your Financial Card.
Income. Repayments are usually capped at 40–50% of take-home pay. Have 6–12 months of payslips or bank statements, or business accounts if self-employed.
Construction loans are paid out in stages after the lender's engineer inspects the work. Use an agreement with escrow on Jinja Consolidated to pay your builder only for finished stages.

Banks, SACCOs and licensed lenders

List your home, land and construction loans and receive applications from buyers who have already found a property. You decide every application; nothing is approved automatically.

Offer loans here

Estimates only. Rates, fees and terms are set by each lender and confirmed in their loan offer. Jinja Consolidated is not a lender and does not give financial advice.