YOFE Homes
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YOFE Homes

More than one way home.

Every route comes with a clear specification, transparent charges and confirmed eligibility. Find the pathway that suits you, then check what the home would really cost each month.

Pathway finder

Three questions. Your best routes.

Answer honestly. There are no wrong answers, and nothing you choose here is saved or shared.

01Do you want to own your home?

02What savings do you have available?

03Does your employer or a cooperative offer housing support?

Your matches will appear here as you answer.

The five pathways

Choose the route that fits your life.

Whichever route you take, you'll get a clear specification for the home, a transparent breakdown of charges and confirmation that you're eligible before you commit.

Register interest

Rent a professionally managed home, with maintenance support and a clear account of every charge.

  • Clear tenancy terms
  • Transparent service charges
  • Ongoing maintenance support

Buy your home directly with a full specification up front, so you know exactly what you're paying for.

  • Full specification before you commit
  • Clear purchase charges
  • Optional ongoing management

Buy with support from a mortgage provider, spreading the cost over time once your eligibility is confirmed.

  • Eligibility confirmed with the lender
  • Repayments assessed against your full living costs

Access a home through a housing scheme run by your employer or a cooperative you belong to.

  • Arranged with your employer or cooperative
  • The same clear specification and charges

Move in as a tenant and work towards ownership over time. We'll offer this only where the arrangement is properly funded.

  • Only offered where appropriately funded
  • Clear terms for the route to ownership

Cost of living calculator

Affordability is more than the rent.

We look at the full cost of living in a home, including utilities, service charges and transport. Move the sliders to see your monthly total.

32%of take-home income

Stretching: worth reviewing costs or pathway

  • Total monthly cost of living in the home ₦240,000
  • Left over each month ₦510,000

Rule of thumb: many advisers suggest keeping housing-related costs to around 30% of take-home income or less. This calculator is a guide only. It is not a YOFE eligibility check or financial advice.

Next step

Have a pathway in mind? Tell us.

Registering your interest helps confirm demand for the homes and pathways people actually need.

Register interest