For the Nigerian Diaspora

Own Your Dream Property in Nigeria!

We help diaspora Nigerians navigate property ownership and mortgage financing back home. Secure, trusted, simple — with banking partners you already know.

Check Your Eligibility →Browse Properties
Soft credit check•No impact on your score•5 min to start
Modern detached home with palm trees
Trusted by
500+ homeowners
A place to call home, even from miles away — own a home in Nigeria while living abroad with our Inbound Diaspora Mortgage.
Homeownership from as low as 10% equity contribution. Up to ₦100 million in mortgage financing, 9.75% interest, up to 20 years.
Introducing Access Diaspora Mortgage. 10% equity contribution, 9.75% fixed interest, streamlined process.
Own a home in Nigeria without stepping on a plane. Available to diaspora in the UK, US, Canada.
Own your dream home at 9.75% p.a. interest with the Access MREIF Mortgage Scheme.
Single digit mortgage for Nigerians in diaspora. 10% equity, up to ₦100M, 20-year tenor.
₦2B+
in Properties Listed
500+
Happy Homeowners
3
Countries Supported
How It Works

How It Works

From anywhere in the world to owning property in Nigeria — in five steps.

1

Check Your Eligibility

Answer a few questions about your income and property. Instant result, no credit bureau.

2

Choose or Submit a Property

Browse merge2own listings or bring your own property — either way your application moves forward.

3

Complete Your Application

Fill in the guided mortgage form and upload your documents — we handle the rest.

4

Bank Reviews & Approves

The bank reviews your application and authorises merge2own to run your credit check.

5

Get Your Offer Letter

merge2own delivers your credit memo to the bank. Bank approves, issues offer letter, you own your home.

Start with a Free Eligibility Check
Live Inventory

Featured Properties & Estates

A slice of what's on the platform right now. Every listing is verified and vetted by our team, so you can focus on what matters most — choosing the right property, with the groundwork already handled for you.

View all properties
CITADEL VIEW ESTATE Availablesemi_detached

CITADEL VIEW ESTATE

L.B.S Sagotedo · Lagos
From
₦150M
CITADEL VIEW ESTATE AvailableDuplex

CITADEL VIEW ESTATE

L.B.S Sagotedo · Lagos
From
₦155M
THE FORTRESSAvailableFlat

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦90M
THE FORTRESSAvailableEstate

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦90M
THE FORTRESSAvailableTerrace

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦91M
Eastern Pride Chatol Sky EstateAvailableEstate

Eastern Pride Chatol Sky Estate

Onuogba, Enugu East · Enugu
From
₦7M
CITADEL VIEW ESTATE Availablesemi_detached

CITADEL VIEW ESTATE

L.B.S Sagotedo · Lagos
From
₦150M
CITADEL VIEW ESTATE AvailableDuplex

CITADEL VIEW ESTATE

L.B.S Sagotedo · Lagos
From
₦155M
THE FORTRESSAvailableFlat

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦90M
THE FORTRESSAvailableEstate

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦90M
THE FORTRESSAvailableTerrace

THE FORTRESS

Lekki Scheme 2, Ogombo · Lagos
From
₦91M
Eastern Pride Chatol Sky EstateAvailableEstate

Eastern Pride Chatol Sky Estate

Onuogba, Enugu East · Enugu
From
₦7M
Diaspora Countries We Serve

Wherever you are, we've got your paperwork covered

Country-specific document requirements handled for you — no guessing, no back-and-forth.

USA flag
USA
United Kingdom flag
United Kingdom
Canada flag
Canada
🌍
Other Countries
Check if you qualify
Diaspora Stories

Real homeowners. Real closings.

“
After 11 years in the States, I finally own a duplex in Lekki. merge2own handled everything — I never felt lost in translation.
AO
Adaeze O.
🇺🇸Houston, TX
“
Financing a home from London felt like a maze until I found them. Closed my Abuja flat in 9 weeks without flying home.
KA
Kunle A.
🇬🇧London, UK
“
I was nervous about scams. The merge2own team vetted every listing and stayed between me and the developer the whole way.
TE
Tomi E.
🇨🇦Toronto, ON
Trusted Banking Partner
Access Bank
Build merge2own with us

Two ways to partner

We're opening the platform to a small number of new lending and development partners. If you bank the diaspora — or you are a property developer, seeking to engage with the diaspora — let's talk.

For lending partners

Become a diaspora-mortgage bank

Underwrite diaspora mortgages with merge2own as your origination + KYC + document-collection layer. You set rates, caps, and policy — we deliver decision-ready packages to your inbox.

For developers & estates

List your inventory for the diaspora

Get your homes and estates in front of vetted, mortgage-ready Nigerian buyers in the US, UK, and Canada. We handle the matchmaking, the enquiries, and the documentation chain.

Prefer email instead? hello@merge2own.com — we reply within one business day.

From the Journal

Guides, market reads & financing know-how

Field-tested playbooks on buying property in Nigeria from abroad — title verification, currency risk, single-digit mortgages and the traps to avoid.

Undeveloped land plots on the Lekki development frontier, Lagos
Diaspora Guides11 Jun 2026

"Omo Onile" and Land Grabbing: The Diaspora Buyer's Biggest Threat — and How to Neutralise It

Ancestral-claim "land owners", double sales, and stage-by-stage extortion cost buyers billions every year. Here is how the threat works, and how to take it off the table entirely.

merge2own Editorial· 9 min read
A legal contract awaiting signature
Diaspora Guides9 Jun 2026

The Six Title Documents You Must Verify Before Paying a Kobo

C of O, Governor's Consent, Deed of Assignment, survey plan and more — what each one proves, the forgeries to watch for, and why registry-level verification is non-negotiable.

merge2own Editorial· 8 min read
A high-reach excavator demolishing a building
Diaspora Guides6 Jun 2026

Excision, Gazette and the Demolition Risk: Why "Cheap Land" Can Cost You Everything

Unexcised land can be reclaimed by government — and any structure on it demolished without compensation. Here is how to read excision and gazette status before you buy.

merge2own Editorial· 7 min read
Read the journal
Frequently Asked

Answers, not small print.

If you don't see what you're looking for, our team is available by email and WhatsApp.

See all FAQs
No. The initial eligibility check is a soft inquiry — it does not impact your credit score in the US, UK, or Canada. A hard pull only happens after you explicitly consent to submit a full mortgage application.
Requirements vary by country, but in all cases we need a valid passport, 24 months of income proof, 6 months of bank statements, and a recent credit report. Use the country selector above to see the exact list for your location.
Typical timelines range from 6 to 12 weeks from eligibility check to keys in hand. Your merge2own specialist keeps the bank, developer, and legal team moving in parallel so you don't have to.

Your keys to Lagos, Abuja, or Port Harcourt are 5 minutes away.

Start with a soft eligibility check. No credit impact, no commitment.

Check Your EligibilityTalk to a Specialist