Home Loan

If you want to buy a new home or re-finance your current home, we offer outright purchase and home-owner loans also known as equity release home loans.

What does it offer me?

  • Existing customers and new customers can apply for a home loan.
  • You get flexible principal repayment options – you can pay monthly, quarterly or once or twice a year.
  • If you are self-employed, the maximum repayment period is seven years.
  • If you earn a salary, the maximum repayment period is 20 years

What do I need to apply?

  • You need to earn a monthly net salary of K200,000.00
  • Your salary must be paid into your Standard Bank account.
  • Proof that you have been with the same employer for at least 12 consecutive months.
  • You must give us a letter of introduction from your employer or a copy of your letter of employment if you have been with your employer for less than 12 months.
  • If you work on a contract basis, we need a copy of your most recent contract.
  • Your pay slips for the past three months.
  • You must be a Malawian citizen with permanent residency.
  • If your Standard Bank account was opened in the past six months, you need to give us six months' copies of your account with another bank.
  • Proof of your address, such as a recent utility bill or a billing document proving your address.
  • A filled in home loan application form, which you can get from any of our branches  

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099 990 15001

+265 88 592 0001


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