Can I withdraw/make deposit into my account through any Intercontinental Bank?
Yes, you can make deposits/withdrawals from any Intercontinental Bank Branches nationwide.

How many Branches do you have?
We currently have 5 (five) branches - Ikeja, Ogudu, Abuja, Victorial Island and Egbeda. More branches are coming up in Lagos, Abuja and Port-Harcourt soon.

Do you finance private residences?
We finance private residences and commercial buildings, either outright purchase or construction.

Does IHSL accept Fixed/Tenured deposits?
We accept tenured deposits like all Commercial Banks and offer highly competitive rates.

Do your cheques go for clearing?
Our cheques can be presented for clearing through the Intercontinental Bank network

I have an account with Intercontinental Bank, do I still need to open an account with IHSL?
You need to open an account with IHSL to enable us serve you optimally.

What is the difference between your bank and commercial banks?
By law, we do not deal in Foreign Exchange transactions and we have better capacities in Mortgage Management.

What are the things needed to access a mortgage loan?
(a) Evidence of regular and sustainable income
(b) Copies of title deeds for construction and copies of offer/allocation letter for purchase
(c) Equity contribution
(d) Means of Identification

Do you operate domiciliary accounts?
By law, we are not allowed to operate domiciliary accounts; however, we can access foreign currency deposits via Intercontinental Bank.

Do you have SMS alert?
Yes, at your instance, we would notify you of transactions on your account.

Can two people given NHF LOAN from another mortgage bank combine their loans and buy property in inter homes?
IHSL does not allow combined mortgage since the loan is availed on individual basis.

Can someone who has taken NHF LOAN of less than N5M reapply?
NHF loan is availed once in a lifetime to enable Nigerians purchase their primary homes.

Must someone operate account for up to 6months before loan can be given?
Yes, based on the principle of Know your customer (KYC).

Do you grant long term loans up to 15 - 20 years?
Yes, we grant loans up to 20 years depending on sources and tenor of our mortgage funds.

Can IHSL provide me with a reference letter to other institutions/organizations including embassies?
At your instance, IHSL can only disclose your transaction details to 3rd parties.

How do I know if I have returned cheques?
You will be notified by your account officer anytime your cheque is returned.

How do you determine the value of properties?
Property values are determined by qualified professionals appointed by IHSL.