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.