Wall Street Realtors
+2347033119476
Wall Street Realtors — Property Financing

Own a property in Lagos
without full payment.

At Wall Street Realtors, we connect you to Nigeria’s most accessible government-backed mortgage schemes — MREIF, RSA Pension and NHF — so you can step into your new home with as little as 10% down. Every transaction is legally protected end-to-end by Acacia Solicitors.

3 Government-backed schemes Legal partner: Acacia Solicitors Lagos-verified properties
7%
Lowest rate available (NHF)
10%
Minimum down payment required
5
Steps from enquiry to keys
100%
Legally perfected by Acacia Solicitors
Three government-backed schemes to finance your Lagos property purchase
Selected
MREIF
9.75%
per annum — below-market rate
Mortgage Real Estate Investment Fund
The most widely used government-backed scheme for Lagos property purchases. Open to salaried employees and self-employed individuals.
Open to salaried & self-employed buyers
Administered via licensed mortgage banks
Acacia Solicitors handles all documentation
Updates calculator
Selected
NHF · FMBN
7–8%
per annum — most affordable
National Housing Fund
Nigeria’s most affordable mortgage rate, administered through the Federal Mortgage Bank of Nigeria at concessionary interest rates.
Requires 6+ months active NHF contributions
Lowest rate available in the Nigerian market
FMBN application managed by Acacia
Updates calculator
Selected
RSA Pension Fund
25%
of RSA balance — used as equity
Retirement Savings Account Equity
Unlock up to 25% of your RSA pension contributions as home equity. No monthly repayment on this portion — it comes directly from your pension.
Up to 25% of RSA balance applied as equity
No income repayment on the equity portion
Can be combined with MREIF or NHF
Enquire with a WSR adviser
Selected
NHF Direct
7%
per annum — employed contributors
Direct FMBN Application
The standard NHF route for salaried employees with a minimum of 6 months of NHF contributions. The lowest mortgage rate available in Nigeria.
Minimum 6 months NHF contributions required
Application direct to Federal Mortgage Bank
Loan ceiling per FMBN guidelines
Updates calculator
Selected
NHF Cooperative
7.5%
per annum — group applications
Cooperative Society Route
NHF accessed through a registered cooperative society. Enables group applications and pooled eligibility — ideal for informal sector workers.
Accessible to informal sector workers
Requires registered cooperative membership
Pooled documentation managed by Acacia
Updates calculator
Selected
NHF Self-Employed
8%
per annum — business owners
Self-Employed NHF Access
Business owners and self-employed professionals can access NHF financing using audited accounts in place of payslips. Acacia guides the full process.
Audited accounts accepted instead of payslips
Business registration documents required
Acacia liaises directly with FMBN
Updates calculator
Selected
RSA Direct Equity
25%
of RSA balance — standalone equity
RSA as Standalone Equity
Use up to 25% of your Retirement Savings Account as your entire equity contribution. No cash deposit required from your income or savings.
Active RSA account with qualifying balance
No cash out-of-pocket for equity portion
PFA authorisation managed by Acacia
Speak to a WSR adviser
Selected
RSA + MREIF Combo
9.75%
MREIF rate — RSA covers equity
RSA Equity + MREIF Mortgage
RSA covers the 25% equity requirement; MREIF at 9.75% covers the mortgage balance. Maximum affordability with zero cash deposit. Most popular combined structure on WSR.
RSA covers full equity — zero cash deposit
MREIF 9.75% on the remaining loan balance
Most popular combined structure on WSR
Updates calculator
Selected
RSA + NHF Combo
7.5%
NHF rate — RSA covers equity
RSA Equity + NHF Mortgage
The most affordable combination available. RSA covers equity; NHF provides the balance at 7–8% — Nigeria’s lowest rate. Requires active NHF contributions.
Lowest total cost of any combination
Active NHF contributions required (6+ months)
Acacia manages both PFA & FMBN applications
Updates calculator
Selected
Switch to MREIF
9.75%
per annum — from commercial rate
Refinance to MREIF
Paying 20–25% on a commercial bank mortgage? Switch to MREIF at 9.75% and substantially reduce your monthly payment. Acacia handles the full legal refinancing.
Switch from high commercial rates to 9.75%
Full legal refinancing managed end-to-end
New Deed of Legal Mortgage executed by Acacia
Updates calculator
Selected
Switch to NHF
7.5%
per annum — lowest rate available
Refinance to NHF
Active NHF contributors may qualify to switch their existing mortgage to NHF’s 7–8% rate — the most affordable refinance option in Nigeria.
Active NHF contributions required
Significant monthly saving vs commercial rate
Acacia manages FMBN liaison & title re-perfection
Updates calculator
Selected
Equity Release
₦
release equity built in your property
Property Equity Release
Own a property with significant equity? You may be able to release that equity for a new purchase, renovation, or business purposes. Acacia structures the full transaction.
Existing property fully or partially paid up
Title review & valuation by Acacia Solicitors
New Deed of Legal Mortgage over released equity
Enquire with a WSR adviser
Affordability Calculator

Calculate your
monthly repayment.

Enter your property details below. Compare what you pay on a government-backed scheme versus a commercial bank — updated live.

₦
₦
%
%
Live
Monthly repayment
₦233,450
per month for 20 years
Loan amount₦24.5M
Down payment₦10.5M
Interest rate9.75% p.a.
Total repayment₦56M
Total interest₦31.5M
Saving vs commercialSave ₦8.2M
MREIF at 9.75% saves you ₦8.2M vs commercial at 12%.
Next step

Ready to get
pre-qualified?

Wall Street Realtors will match you to the right scheme and guide you through every step. Free, no commitment.

Start pre-qualification
No hidden fees · Response within 24 hours
Acacia Solicitors
Title search, due diligence & full documentation on every WSR transaction.
How it works

From enquiry to keys
in five steps.

Wall Street Realtors coordinates the financing. Acacia Solicitors handles the legal side. You focus on choosing the right home.

01
Pre-qualification
Our team reviews your income, employment & credit, then matches you to the right scheme — MREIF, RSA or NHF.
Day 1
02
Property selection
Every WSR listing is tagged with eligible schemes and shows your monthly payment before you enquire.
Days 1–7
03
Legal & title check
Acacia Solicitors runs a full title search. You commit nothing until the property is confirmed encumbrance-free.
Days 7–14
04
Application & approval
Complete mortgage pack submitted to the lender. WSR follows up at every stage of the approval process.
Days 14–45
05
Disbursement & keys
Funds released. Acacia Solicitors perfects all deeds & Governor’s Consent. Your keys are handed over.
Days 45–90
Eligibility

Do you qualify?
Most Lagosians do.

You’re likely eligible if most of these apply. We confirm everything in a free 15-minute call — no obligation.

🇳🇬
Nigerian citizen or resident
Valid BVN & NIN required. Diaspora accepted on select schemes with foreign income verification.
💼
Employed or self-employed, 12+ months
Payslips, bank statements or business records. Formal and informal sector both accepted.
🏠
NHF contributor (for NHF scheme)
Minimum 6 months active NHF contributions via Federal Mortgage Bank.
📊
RSA account holder (for pension route)
Active RSA with qualifying balance. Up to 25% used as home equity — no monthly repayment.
✅
Clean credit history
No active defaults or court orders. Isolated missed payments reviewed case-by-case.
🎂
Aged 21 to 60 at application
Loan repayment must complete within working age. Exceptions reviewed by scheme administrators.
Check my eligibility → Book a free call
Common questions

Your financing questions answered.

Everything you need to know about government mortgage schemes and the Wall Street Realtors process.

A mortgage is a long-term loan used to purchase property. Instead of paying the full price upfront, you contribute a down payment and borrow the balance, repaying it over 10–25 years.

Wall Street Realtors connects you directly to MREIF and NHF — government-backed schemes with significantly lower rates than commercial banks, meaning you pay less monthly and save millions over the loan lifetime.

MREIF (9.75% p.a.) — Below-market residential financing for salaried and self-employed buyers. The most widely used scheme on WSR Lagos purchases.

NHF (7–8% p.a.) — Nigeria’s lowest mortgage rate, via the Federal Mortgage Bank. Requires 6+ months of active NHF contributions.

RSA Pension Fund — Up to 25% of your Retirement Savings Account used as equity. No monthly repayment from your income for this portion.

Borrowing amount depends on income, existing commitments, equity contribution and scheme. Lenders typically allow 4–5x your annual income. WSR runs a free pre-qualification that gives you a clear number before your property search.

  • Valid government-issued ID (National ID, Passport or Driver’s Licence)
  • BVN and NIN
  • 6 months of bank statements
  • Payslips (employed) or audited accounts (self-employed)
  • Tax clearance certificate & proof of equity
  • NHF contribution statement (NHF applicants)
  • RSA statement (pension-route applicants)

Acacia Solicitors guides you through exactly what is needed and liaises with all institutions on your behalf.

On every WSR transaction: title search & registry verification, encumbrance check, physical & legal due diligence, Governor’s Consent, Deed of Assignment, Deed of Legal Mortgage, and an NDA between all parties.

Typically 45–90 days: Day 1 pre-qual → Days 1–7 property selection → Days 7–14 legal check → Days 14–45 mortgage approval → Days 45–90 disbursement & keys.

Do you qualify?
Most Lagos buyers meet these criteria
Nigerian citizen or resident
Valid BVN & NIN required
Employed or self-employed
12+ months verifiable income
Clean credit history
No active defaults or court orders
Aged 21 to 60
Loan completes within working age
NHF contributor (NHF scheme)
6+ months active contributions
Check my eligibility →
Financing guides
Resources to help you make the right decision
How much can I borrow with MREIF?› What is NHF and how do I apply?› Using RSA pension as home equity› Understanding Lagos property titles› What is Governor’s Consent?› Documents needed for your application›
Acacia Solicitors
Real Estate · Corporate · Commercial Law
Exclusive legal partner of Wall Street Realtors. End-to-end advisory from initial engagement through mortgage disbursement and full title perfection on every transaction.
Dolapo Alao ESQ — Managing Partner info@acaciasolicitors.com
01–2809137 · +234 (0) 913 231 4117
5 Admiralty Road, Off Admiralty Way
Lekki Phase 1, Lagos

Ready to stop renting
and start owning?

Get pre-qualified by Wall Street Realtors in 24 hours. No commitment, no application fee, no paperwork from your side yet.

Start pre-qualification — free Browse eligible properties
What happens next
1
Today: Submit your details — 5 min
2
Within 24hrs: Our adviser calls you back
3
Days 3–5: Receive your pre-qualification report
4
Day 7+: Browse properties matched to your budget
5
Days 45–90: Keys in hand, title perfected
No hidden fees. No upfront payment until you’ve selected your property and confirmed the legal review with Acacia Solicitors.