Our Solutions


Build your dream home today!

Your first choice in financing your dream home.


As we are not a bank, ZHL is able to offer more dynamic solutions that are tailor made to your needs

At ZHL we offer a number of solutions to meet your specific requirements.
Some of our loan features include:

  • Flexible loan repayment periods of up to 20 years
  • Settle your outstanding loan at any time
  • Make additional monthly payments if you have the extra cash to pay back your loan more quickly
  • Loans include comprehensive life and property insurance cover
  • Call us today to discuss some more of the additional features

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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With over 5 years of experience we’ll ensure you get the best guidance