These are housing loans where the employer invests money with CBZ Bank, in return for a dividend plus mortgages loans for employees at agreed concessions.


  • Retention Strategy
  • Applicant has access to 100% loan as compared to market based loans where 40% deposit is required.
  • Increased affordability due to concessions on terms and conditions.
  • Employers are left to concentrate on their co-business instead of managing staff loans.
  • Employers are not obliged to maintain deposits equivalent to scheme value but deposits that match loans advanced to their employees as and when they are introduced to the Bank.

Who qualifies?

  • Employees