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My Home Match is an online residential real estate marketplace matching homebuyers with developers and mortgage lenders in Nigeria.My Home Match provides a solution for all stakeholders in the housing market through a database that is efficient, innovative and accessible, forming an essential suite of resources and guidance on finding your home. My Home Match is a product of Home Match Nigeria Ltd.

My Home Match is a distinct web solution due to the following features:

– Focus on affordable homes
– Inclusion of both off-plan and newly completed homes
– Access to traditional and innovative home financing products through our Participating Mortgage Lenders
– Pre-Qualified Developers with verifiable Track Record

– Register Online
– Search for a home on our database
– Get pre-approved for a mortgage product with a listed Mortgage Lender
– Pre-Approval/Offer Letter from the Mortgage Lender
– Meet the Developer & view the model home/site
– Get final approval from the Mortgage Lender
– Obtain an Offer Letter from the Developer
– Sign contract with the Developer
– Close mortgage transaction with mortgage lender
– Own your home

Visit our How It Works page to view the full infographic.

The matching process starts when you indicate interest in a home. Although timelines may vary with each Developer, and depending on the Buyer’s ability to meet obligations, the process from indicating interest to signing a purchase agreement should take approximately 4 weeks.

We undertake customary checks on all properties listed on our site. This is however not a thorough due diligence exercise that the homebuyer may rely on. The rule of Caveat Emptor (Buyer Beware) applies, and Home Match specifically excludes liability or claims relating to the legality or status of any transactions initiated through the Site.

All Developers listed on our Site will be required to obtain a Performance Bond, which serves as an insurance in the event of default. This means that any deposits paid to the Developer can be recovered. Moreover, Home Match endeavors to list only Developers of repute with proven track record.

We will cover Lagos, Abuja and Port-Harcourt for our initial phase, being locations Mortgage Lenders are currently willing to finance. Going forward, we intend to expand to other states as our Mortgage Lenders extend their lending criteria to these locations.

It is not mandatory for Homebuyers to secure a mortgage, and you may use any other means to finance the purchase of your home.

Options for funding the purchase of your home differ based on the payment options available for each home, buy may include self-financing, instalment payments and Mortgage financing.

The price of each property varies – please see the listings for details on property prices and costs. Given income per capita levels and economic considerations, Home Match endeavors to list homes that are affordable to a significant majority of working professionals and self-employed persons.

Standard affordability computation is based on three times the applicant’s annual household income.

Pre-approval is an initial evaluation of the credit worthiness of a potential borrower that is used to determine the estimated amount that the person can afford to borrow. Pre-approval is a relatively simple and quick process of examining the potential borrower’s income and expenses in order to generate an estimated borrowing range that they would likely be able to repay to the lender.

Any person that meets the criteria of the mortgage lending institution can apply for a mortgage.

If you intend to finance your home purchase with a mortgage, it Is advisable that you start the process as early as possible, and the process begins with prequalification.

If all required documents are readily available, pre-approval should take no more than 2 weeks.

Married couples can make a joint application for pre-approval. Please see the pre-approval forms for joint applicants.

The amount of down-payment (Deposit or Equity Contribution) for a home purchase depends on a number of factors including the applicant’s annual income and employment status. The mortgage Lender will give you an assessment of required contributions upon application.

Please use our Mortgage Calculator to determine affordability of your selected home.

If there is a waiting list, the Developer may arrange for a replacement who will buy out your contributions and take your place. However, this may depend on the payment options for the listed home.

The answer to this depends on the individual, but there are numerous widely accepted benefits of owning a home over renting. In a nutshell, these include – home ownership is cheaper in the long run, homeowners enjoy value appreciation of their homes, homeowners have a greater sense of economic and social security.

Title varies depending on the property being purchased. Documentation may broadly include:
– Receipts
– Letter of allocation
– Unregistered deed of assignment or deed of sub-lease

Please contact us by email – to discuss your options. Diaspora mortgages are being treated on a case-by-case basis by listed Lenders, but our wholesale Diaspora products will be launched soon. Please check back soon or register to receive notification.

Certainly. Please contact us by email – when you have selected a home.

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