Chartwell | HOUSING FINANCE SOLUTIONS

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HOUSING FINANCE SOLUTIONS FOR DEVELOPERS,
FINANCIAL INSTITUTIONS AND EMPLOYERS ACROSS AFRICA

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WHO WE ARE

Dedicated to making homeownership affordable in Africa.

We at Chartwell have established ourselves as an innovating force in the African housing finance landscape known for our ability to design and roll-out structured project and end-user finance solutions for developers, financial institutions and employers across Africa.

THE CHALLENGE

Africa will be the fastest growing region by population in the world between 2017 and 2050, accounting for more than 50% of global growth.
In all plausible scenarios of future trends, Africa will play a central role in shaping the size and distribution of the world’s population over the next few decades.
(The United Nations Population Statistics)

By 2050 more than 1.26 billion people will live in urban areas across the African continent (currently there are est. 400 million urban dwellers in Africa’s cities).
(United National Habitat Report)

In many countries, access to end-user finance is constrained.
Under-developed capital markets in many countries means limited access to long term wholesale funding and relatively low extension of mortgages.
Interest rates are high and repayment terms are short.

In short, home ownership is unaffordable for most people in Africa.

HOW ARE WE GOING TO CREATE HOME OWNERSHIP?

We need innovative solutions that unlock affordable home ownership.
Chartwell specialises in project specific homeownership programmes that address the needs of people living in very different countries under different circumstances
Our solutions enable first time homeownership through financial product development, financial product design and alternative portfolio and take-out funding options.

HOW WE WORK. WHAT WE CAN DO FOR YOU

A service offering that has evolved through intensive experience gained through working with clients across the housing development and financing value chains.

Feasibility and scoping

Home loan product design and framework

Credit solutions – origination and

loan administration

Home ownership and

financial literacy education

PRODUCTS AND SERVICES

Feasibility studies

Preference and needs surveys
Housing market, legal and financial market reviews

Income and affordability analysis

Risk management frameworks

Capital structure and fundraising

Home loan product design

Credit solutions

Client origination, credit underwriting, loan and financial administration

Financial literacy and homeowner education

EMPLOYEE HOMEOWNERSHIP NEEDS TO BE ENCOURAGED BECAUSE OF ITS POTENTIAL LONG-TERM SOCIAL AND ECONOMIC BENEFITS

Chartwell has through its involvement in a number of successful employee home ownership programmes, developed a flagship product that covers the design, implementation and administration of tailored employee homeownership programmes that:

Offer employees the opportunity to live in a safe and decent environment and build up a capital base that provides them and their families with a long-term source of financial security; and

Enables employers to attract and retain qualified staff, incentivise performance and contribute to the general health and well-being of their workforce without being paternalistic.