Home Loans

Compare, choose, and save. One place to Compare offers from all the best banks in the country

Looking for a Home Loan?

Loan term
10 years
15 years
20 years
25 years
30 years

Type of loan
New Purchase
Refinance
Switch Banks

I am a: Mauritian citizen Non-citizen

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Your details

Employment type
Salaried
Self-employed
Home Maker
Retired

PROCESS

How it works

The smarter way for home loans in Mauritius

Complete the form & describe your financing request

Upload your KYC documents online

PropertyCloud will submit your application to relevant providers

Select an offer and discuss it with experts

Home Loan Bank Information

Mortgage Solutions

Featured

5.05%

Interest

10-30

Years

100%

LTV

Know more

Apply

To qualify for a home loan, certain criteria must be met regarding the bank assessing your ability to finance the loan obligations. There are also many documents that must be submitted to the bank known as KYC (Know Your Client). In Mauritius, foreigners can borrow up to 70% of the property's value, while Mauritian citizens are eligible for up to 100% home loans. Normally your Loan-to-value ratio (LTV) cannot exceed 40% of your monthly income. Interest rates in Mauritius generally start from 5% and above. Below is a list of documents needed:

Application form for loan - each bank has its own form for the borrower to complete their details.
Submit KYC documentation - various documents that include ID, proof of address, income, bank statements, etc
Bank evaluation bank on borrower - the bank receives your documents and analyses them internally.
Receive loan offer letter - if eligibility criteria are met the bank will send you an offer letter with terms
Pay loan processing fees - if the borrower accepts the offer letter there are admin & processing fees to be paid
Loan registration and signature - final documents are signed and loan is registered with bank
Disbursement of loan - bank disburses fund to borrower

Proof of Identification - valid Mauritian ID or passport in case of foreigner
Proof of Employment - work contract with employer
Proof of Residence - up-to-date proof of address and place of residence
Payslips (6 months) - official monthly payslips of salary show proof of income
Bank Statements (6 months) - monthly banks statements
Title Deed / Deed of sale - to identify and register property being purchased

Frequently Asked Questions

PropertyCloud has partnered with various mortgage brokers that provide you with direct access to several banks in Mauritius. A dedicated mortgage broker will guide you through the entire process to make applying for a home loan easy, fast, and more efficient. 1 form, multiple offers. Easy!

Submitting your documents to our secure dashboard allows us to verify your KYC information so that when your application is presented to the banks - they already have the required documents needed to make you an accurate offer.

We offer the following options: new home purchase, refinancing, and switching loans between banks.

Once you’ve completed the form, log into your account and upload the required documents to your dashboard. Our representative will contact you to check the details and understand more about your request. Your application will then be sent to the banks to find the best solution for your needs. Please note this is a paid service.