A buy to let mortgage or a buy to rent mortgage is in essence a buy to let investment that allows you to build a property investment portfolio for yourself by purchasing property that you rent out.

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How it works

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What you get
  • Intended for anyone who wants to buy a home
  • Higher loan amounts of up to UGX 1Bn or USD 300,000
  • Competitive interest rates
  • Flexible loan periods of up to 15 years
  • Loan to value of up to 70%
  • Flexible repayment plans.
  • Joint applications are acceptable (restricted to husband and wife).
  • Available in both Ushs & USD

*Terms and conditions apply

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You need to
  • Be employed for a minimum of 1 year


  • Be a self-employed professional with a profitable business for a minimum of 24 months (for Barclays customers only)
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  • One time mortgage arrangement fees of 2%.
  • Mortgage protection cover (Life and Disability) 0.95%
  • Property insurance covering fire and destruction 0.25%
  • Valuation 0.15%.
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 What to bring when you apply
  • Identification document (ID/Driver’s License/ Passport: mandatory for foreign nationals/National)
  • Proof of income by way of 3 recent salary slips
  • Bank statements for the last 12 months
  • Copy of land title
  • 1 passport photo
  • Financial Card
  • Copy of sales agreement or offer letter in case of purchase
  • Sales agreement.
  • E-tax number
  • Approved building plans
  • Consent letters and lease rental receipts in case land is on lease hold.
  • Water or electricity utility bill
  • Letter of undertaking from the employer
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Need more help?


Toll Free: 0800 222 333
Tel: +256 (0) 312 218 348



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