WELCOME TO ZAMBIAN HOME LOANS

Your first choice in financing your dream home.


Zambian Home Loans was founded on the principle that every Zambian should be able to afford their dream home.

Founded in 2013, ZHL has helped hundreds of happy customers build their dream homes. ZHL is a specialised lender focusing on construction mortgages.

Build your dream home today!

Why not give one of our friendly consultants a call and see how we can help you achieve your dreams?

How can we help you?


ZHL is the fastest growing Mortgage Finance company in Zambia. We offer a number of housing finance solutions to meet your specific requirement. Call us today and see how we can help you realise your dreams!

Construction Mortgage

Do you need to complete your construction project or start building your dream home? Let ZHL help you realise your dreams today.

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Equity Release

Why not realise the value in your property? Use the funds to settle expensive debt, complete smaller projects or start a new venture.

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Land Finance

Excited to start your dream today? Use our unique offering to secure your dream piece of land and start building once it has been paid.

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USD Loans

Excited to start your dream today? Use our unique offering to secure your dream piece of land and start building once it has been paid.

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How to apply

To borrow from ZHL you must:

  • Own a stand with title in a family members name.

  • Be able to demonstrate consistent monthly income.

  • Earn more than K6,600 per month.

  • Want to achieve your dreams.

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Contact Details


Please find below contact details and contact us today!

  • Phone: 0211 254 325
  • Plot 35370, Thabo Mbeki Road,
    Mass Media,
    Lusaka,
    Zambia

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We’re flexible

You can save interest by repaying loan early. If things go wrong, we’re here to help you find a solution.

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We’re committed to you

We lend responsibly, treat our customers fairly, and help people make sense of their money.

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We’re transparent

There are no hidden charges. We make all of our fees completely clear upfront before you apply.

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We’re here to help

Call us on 0211 254 325.

Email us info@zambianhomeloans.com

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Happy Customers


Frequently Asked Questions