Ethical home financing for Africans at home and abroad
Get instant access to
non-interest home financing
Free the first time, in minutes. If you are ready, we introduce you to an ethical finance partner. If you are not, we show you exactly what to fix.
Your first assessment is free. We are not a bank — a partner makes the financing decision.
Why we exist
Most people are not turned down for the reason they think.
No formal credit file
You have never held a card or a bank facility, so there is nothing for a bureau to score. That is read as risk rather than as an absence of evidence.
Income that does not arrive on a schedule
Trading, contracts, commission, remittances. Real money, arriving in a pattern the standard form has no box for.
Statements that do not tell the story
Cash that never touches an account, transfers with no reference, three months where six would have made the case.
A mismatch nobody mentioned
A name spelled differently on your ID and your account. Enough to stop an application, and trivial to fix once somebody says so.
How it works
From “probably not” to a certificate a partner trusts.
Check your readiness — your first one is free
Tell us roughly where you stand and we will tell you whether a finance partner is likely to say yes — before you share anything sensitive.
Verify who you are
ID, a few details, and a quick selfie check. Done once, and it protects you as much as it protects the partner.
Share your financial picture
Bank statements, income, anything you already pay. Nothing is read until you tick the box that says we can.
Get your score — and the reasons
Not a bare number. What is strong, what is weak, what you could realistically afford, and where that leaves you.
Ready, or a plan to get there
Ready means a certificate and an introduction to a finance partner. Not ready means an improvement plan and someone tracking it with you.
Find the home, keep the relationship
Browse verified listings, buy through the platform, and keep building a record that makes the next thing easier.
What we are, and are not
We are not the bank. That is the point.
What you are used to
MiHome
Your result
Four possible answers. None of them is just “no”.
Ready
Your profile stands up. You get a certificate and an introduction to a finance partner.
Nearly ready
One or two things are short. Usually a few months of consistency away.
Not ready yet
Real gaps, but every one of them named — with an order to work through them.
Not enough data
We could not see enough to judge fairly. We tell you what to add rather than guess.
What makes this different
Six things we will be held to.
A no comes with a reason
Banks reject and move on. We show you exactly which parts of your profile are weak and what would change them.
Built for thin credit files
No formal credit history, or income that arrives irregularly? We read your actual bank inflows and business records, not a score you were never able to build.
We do not lend, so we are on your side
Nothing we tell you depends on you signing anything. The finance partner takes the risk and makes the decision.
Ethical partners only
Every partner we introduce you to offers Shariah-compliant financing. You will never be routed to an interest-bearing product.
You are never dropped
Not ready today is a plan, not an ending. We keep tracking your profile and tell you the moment you cross the line.
Homes attached to the outcome
Verified listings from checked developers, so a certificate leads somewhere real instead of another search.
For the diaspora
Years of sending money home. Nothing there with your name on it.
Foreign income counts
Pounds, dollars, euros or dirhams, evidenced by statements from your own bank. No professional-body letter, no branch visit.
Assessed without flying home
Verification, uploads and your result all happen remotely. Name a representative in Nigeria and we coordinate viewings with them.
Often the strongest profiles
Stable employment and clean statements tend to score well. Many diaspora buyers are ready already and simply never asked.
Support when you are awake
Hours covering UK, European and North American evenings.
For property developers
Buyers who are checked before they ever reach you.
Buyers who are already checked
Every enquiry has passed identity verification and a finance-readiness assessment, so you stop showing homes to people who were never going to complete.
A bar you can actually clear
Intervention funds want a five-hectare land bank, ₦500m in net assets and three completed projects. We ask for a track record and clean title.
Nothing owed until a sale completes
No listing fee and no subscription. A commission is due only on a sale you and the buyer both confirm.
Demand data you can build against
See which price bands, cities and home types certified buyers are searching for before you commit to a design.
Who this is for
The people who got a no and nothing else.
“Three banks turned me down and not one of them told me why. I did not need a loan that week — I needed to know what was wrong.”
Aisha Bello
Secondary school teacher · Kano
“Eleven years of sending money home and nothing there with my name on it. Pounds earned in Manchester should count as income somewhere.”
Tunde Adeyemi
NHS nurse, diaspora buyer · Manchester, UK
“My money comes in a hundred small amounts, never on the same day twice. Nobody had ever looked at my actual account before deciding what I could afford.”
Chinelo Okafor
Fabric trader · Onitsha
“I could not sign anything built on interest. Being able to explain the structure to my father, and have him nod, mattered more than the rate.”
Ibrahim Suleiman
Civil engineer · Abuja
Straight answers
The questions people actually ask.
- Do you give me the financing yourself?
- No. We assess whether you are finance-ready, show you how to improve if you are not, and introduce you to an ethical finance partner once you are. That partner is the licensed lender and makes the decision. Being clear about this matters: we are on your side of the table precisely because we are not the one lending.
- So what do I actually get from you?
- A finance readiness score with the reasons behind it, a realistic price range you could afford, an improvement plan if you need one, and — when you qualify — a certificate and an introduction to a partner. If you are not ready, we keep tracking your profile and tell you when you cross the line.
- Will you guarantee I get financing?
- No, and be wary of anyone who does. We can make your application as strong as it can honestly be and put it in front of the right partner. The decision is theirs.