The mortgage gap in African housing isn't a demand problem. It's an infrastructure problem.
AMP brings together the liquidity, underwriting infrastructure and assured off-take that African banks need to write mortgages at scale — and that developers need to sell homes with confidence.
Three things stand between an African bank and a mortgage book
The demand for home finance across African markets is real and growing. What's missing, almost everywhere, is the plumbing behind it.
The tenor mismatch
Banks hold short-tenor, local-currency deposits. Mortgages need 15–20 year money. Very few African balance sheets are built to carry that gap.
The missing back office
Origination, underwriting and servicing a mortgage book is a specialist discipline. Most banks have never had a reason to build it in-house.
No route off the balance sheet
Without a buyer for seasoned loans, mortgages sit where they were written. That caps how many a bank can ever write — and how many homes get sold.
One partner, three pieces of the puzzle
AMP was built by mortgage bankers, not around a single product. Each piece can stand on its own — together, they let a bank go from no mortgage business to a functioning one.
Liquidity
with FrontclearStructured funding lines, arranged with our partner Frontclear, that let a bank originate mortgages without tying up the long-term capital it doesn't have.
Underwriting & servicing
with Prodigy FinanceGlobal-standard underwriting, collections and loan administration, brought in through our partner Prodigy Finance — so quality doesn't rest on one back office.
Assured off-take
AMPAMP purchases qualifying, seasoned mortgages under agreed true-sale terms — giving banks a route to recycle capital, and developers certainty that financed buyers can close.
We've built this before
AMP's partners didn't arrive at African mortgage finance as advisors. They built and ran the institutions.
Founded by Michael Waller, Zambian Home Loans built a dedicated mortgage lending business in a market that had none — from origination through to funding structure.
Founded and led by Dominic Adu, Ghana Home Loans grew into Ghana's leading dedicated mortgage lender, was acquired by First National Bank Ghana, and Adu went on to serve as its CEO.
Led by Daniel Bloch and Kweku Essien, Seso has built the developer and diaspora-buyer distribution rails, with e-mortgage partnerships already running alongside banks in West Africa.
Practitioners, not consultants
Every partner at AMP has run a mortgage business, a bank, or the distribution behind one.
Michael Waller
Founder of Zambian Home Loans. Formerly a Director at Standard Bank, heading origination and structuring for its African Markets business across 17 countries. Chartered Accountant and CFA charterholder.
Dominic Adu
Founder of Ghana Home Loans, grown into Ghana's leading dedicated mortgage lender before its acquisition by First National Bank Ghana, where he later served as CEO. Chartered Accountant.
Daniel Bloch
CEO of Seso Global, Africa's digital property and mortgage marketplace, with active bank partnerships across Ghana, Nigeria and South Africa.
Kweku Essien
Chief Commercial Officer of Seso Global, with deep developer and diaspora-buyer networks built across Ghana and Nigeria.
Two partners who make the model work
AMP doesn't try to be the liquidity provider and the underwriter and the buyer alone. We work with specialists on either side of us.
Frontclear
A Netherlands-based development finance company that provides structured funding to banks across frontier and emerging markets — the liquidity layer behind AMP's bank partnerships.
Prodigy Finance
Global underwriting and loan servicing infrastructure, giving AMP's bank partners institutional-grade origination and collections without having to build it themselves.
Two doors in — the same infrastructure behind both
Write mortgages without carrying all the risk
We bring the funding and the exit. You bring the customer relationship and the balance sheet capacity to originate. The mortgage business grows without your treasury having to fund it alone.
Talk to us about your market →Sell to buyers who can actually get financed
A slow or uncertain mortgage process is one of the biggest reasons a sale falls through. We work with your sales pipeline to connect qualified buyers to participating banks.
Talk to us about your pipeline →This is a conversation, not a pitch.
If you're a bank or a developer thinking through the mortgage opportunity in your market, we'd like to hear about it — no deck required to start.
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