Pre-Approval Requirements

The following are the Pre-Approval requirement of Goodbye Landlord:

Banking | Mortgage | Real Estate

Refuge Goodbye Landlord

Say Goodbye to Landlord, Own Your Dream Home.

This is a special Savings Account that seeks to provide solutions for home ownership through structured savings, strategic recommendations and sound plans. The holder must generally maintain a specific balance based on the pre-determined monthly savings program.

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Product Basic Features

The following are the product basic features of Goodbye Landlord:

Up to 120% one-year net annual salary subject to a maximum of N20M and debt-to-income ratio in line with regulations

Tenor up to 36 months

Letter from employer confirming employment status, monthly/annual net salary, terminal benefits (where available), and other allowances and irrevocable domiciliation of salary, terminal benefits, and allowances with Refuge Mortgage Bank throughout the loan period by the employer

Corporate guarantee of the employer (where applicable)

Credit life policy where there is no corporate guarantee of the employer brokered by the bank’s authorized brokers with Refuge noted as first loss payee

Post-Approval Requirements

The following are the Post-Approval requirement of Goodbye Landlord:

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Achieve More With Us

Guided Path to Homeownership

Gain access to clear information, expert guidance, and practical support throughout the home-ownership journey, from planning and saving to purchasing and moving into your own home. We walk you through every step.

Your Savings, Working for You

Your Goodbye Landlord account can serve as collateral for short-term loans, giving you flexible access to funds when you need them, without disrupting your long-term homeownership plan.

Save Smarter, Own Sooner

The account is designed to help you save consistently and purposefully toward home ownership, making it easier to stay disciplined, track progress, and achieve your savings goals faster.

More Beneficial Products

House Renovation and Improvement Account

This product helps finance renovations and upgrades on residential and business premises. It can equally be accessed to enhance the interior of individual residences. This includes the acquisition of household items.

Equity Release Facility

Our Equity Release Product offers individuals access to funds for their planned business expansion, working capital, and capital projects, using their property as collateral.

Rent Finance

Break free from hefty rent deposits. With our help, you can secure your dream rental instantly – no upfront costs, zero equity contribution, and just your salary as collateral. This product entails giving out rent loans to individual customers or a group, e.g. staff members, payable within one year with attractive interest rates.

Get in Touch With Us

Breathe Easy with Refuge Bank. Contact us to apply now.

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