Making Homeownership Accessible: Rethinking Nigeria’s Housing Finance System
By Hon. (Dr.) Saheed Mosadoluwa AudullahiExecutive Managing Director/Chief Executive Officer, Harmony Garden & Estate Development Ltd.
Nigeria, 29th Sep 2026—Homeownership remains one of the strongest aspirations of the Nigerian family. Yet for millions of Nigerians, the dream of owning a home remains difficult to achieve, not necessarily because of a lack of income or willingness to pay, but because conventional housing finance structures often require financial commitments that do not reflect the realities of the average Nigerian.
The question we must therefore ask is not simply, “How do we build more houses?” It is also, “How do we make homeownership financially accessible?”
Nigeria’s housing challenge requires a fundamental rethink of how people finance property.
Beyond the Traditi...
