The product
MiHome is where it actually happens.
Miftah Capital is the company. MiHome is the platform — where you find out whether you are ready for ethical home financing, what to fix if you are not, and who can fund it when you are.
What it does
Everything a bank makes hard, made ordinary.
Check your readiness, free
A few questions and you get an indication of where you stand, before you hand over anything sensitive. It costs nothing and takes minutes.
A score built from what you do
Income stability, payment behaviour, savings, obligations, documentation and headroom. Machines read it, a person checks anything odd, and every factor is explained.
A plan when the answer is not yet
Gaps come back in order — what to fix first. Your profile is monitored, and you are told when you cross the line.
Homes with the title checked
A short, verified list rather than an endless feed. Every developer is registered and every title is checked. Found one yourself? Bring it and we will check it.
Built for the diaspora
Foreign income counts, verification is remote, and you do not need a Nigerian address or a guarantor to be assessed.
Built mobile-first
Designed for the phone people actually own, on the connection they actually have, not a desktop banking portal.
The journey
From “probably not” to a certificate a partner trusts.
Six steps in full, along with what each one costs, are set out inside MiHome — not here, where they would drift out of date.
Check, free
An indicative answer in minutes, before you share a statement or a document. You can stop at any point.
Verify and share
ID and a quick check, then statements and income evidence. Nothing is read without your permission.
Score, then certificate or plan
Ready, and you get a Finance Readiness Certificate. Not ready, and you get an ordered plan and monitoring until you are.
Home, then partner
Choose from verified listings and get introduced to a finance partner who funds on non-interest terms.
Start where you are.
Nothing to join and nothing to wait for. The first check is free, and it tells you exactly where you stand.