Construction Mortgage


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.

Are you looking to build or complete your dream home? If so, give us a call today to see how we are able to help you reach your dream.

How can we help you?


  • We specialise in mortgage loans to construct homes and our sole focus is on helping you to build your home. Today.
  • We provide personalised service. We’ll meet with you face to face in your office or at home to understand how much you can borrow and how large a home you can afford.
  • We let you choose the builders. It’s your money and it’s your dream home so you should have the choice.
  • We get big bulk discounts on building materials which we pass directly on to you. Big savings can mean that extra bedroom or that smart new kitchen you’ve always wanted.
  • We give you up to 20 years to repay. By spreading the repayment you can finally afford to build your home. Today.




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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How much do you need?

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How much do you need? (ZMW)

Over how many years?

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Monthly Installment:

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Monthly Installment:

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