ABOUT REFUGE


Refuge Home Savings and Loans Limited was incorporated in 1992 as a private limited liability company and licensed by the Central Bank of Nigeria to carry on Mortgage Banking activities. The bank commenced operations in 1993. In 2005, it was acquired by a new core investor who injected fresh capital into the bank. The bank is well capitalized beyond the mandatory level of the CBN.

Furthermore, the bank is registered with the Federal Mortgage Bank of Nigeria Limited as an accredited vehicle for the disbursement of the National Housing Fund- a scheme birthed from the NHF Decree No. 32. The NHF Decree was passed for the primary purpose of achieving the ultimate goal of ensuring that all Nigerians own or have access to decent housing accommodation at affordable cost. The NHF Scheme was conceptualized to ensure continuous flow of long term funding for housing development and to provide affordable loans for decent housing. Refuge Homes is one of the PMIs through which this vision is being actualized.



OUR VISION
To be the preferred name in Mortgage Banking in Africa

OUR MISSION
  • To change the landscape of Mortgage Banking in Nigeria
  • To deliver affordable housing accommodation to our customers on a regular basis through a well thought out funding arrangement

OUR VALUES
  • Ownership
  • Consistency
  • Accountability
  • Team Spirit
  • Integrity
  • Innovation

OUR BUSINESS
  • Retail/Consumer Banking
  • Mortgage
  • Real Estate "investment"
  • Private Banking


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Refuge Home Savings and Loans