Sofala Capital is a venture capital firm that invests in African mortgage companies.




Who we are

Why secured housing finance

Our vision

What we offer

African mortgage company setup

Rent-to-own service


Zambian Home Loans

Zambian Home Loans (‘ZHL’) is a standalone, regulated mortgage company offering construction mortgages in Kwacha and US Dollars. Sofala Capital is the founding shareholder, along with its Zambian partner, African Life Financial Services, the largest private pension fund administrator in Zambia and part of the Sanlam Group. ZHL has had the fastest growing mortgage book in Zambia for the previous 3 years. For more information, visit 

IBUILD Home Loans

IBUILD Home Loans (“IBUILD”) provides low income South Africans with affordable construction mortgages to build “separate entrance rooms” for rental purposes. The rental income generated from the rooms supports the ability of the borrower to repay the mortgage and can ultimately improve the client’s ability to support a family or help in retirement. IBUILD works in partnership with Cashbuild Limited, South Africa’s largest building material supplier as well as a funding syndicate including Habitat for Humanity Inc and the Rural Housing Loan Fund. For further information, visit


iBuild Africa is a company that invests in onshore, housing finance and Rent-to-Own companies in African markets. iBuild Africa also offers Rent-to-Own services directly to qualifying customers.