At Ceylon Estate Agents we take care of as much of the running around, admin, forms and paperwork as possible, whilst using our industry knowledge and network, to search and test the market so you can be confident you have the best deal and mortgage rates available.

Providing clear and straightforward options, we support you at each stage of the mortgage application process.

Available home loans

  • Purchasing a house, apartment or land
  • Building a house
  • Completing a partially built house
  • Renovate, extend or complete a house
  • Paying off an existing home related loan


You should have a regular monthly income (minimum Rs 25,000), individually or jointly with your spouse. This income should be sufficient to meet the monthly loan commitment as well as living and other expenses.

Loan amount

Depending on your need and income, you could borrow from Rs 500,000/- up to Rs 50.0 million. Even if your requirement is in excess of Rs 50.0 million, you can still negotiate with one of our mortgage consultants for a higher amount.


Depending on your age you could agree for a repayment period of up to 20 years. Also, you can select from 2 modes of payment:

  • Equated monthly installments – where your capital plus interest is a fixed sum
  • Fixed monthly installments     –  where you pay back your capital in equal installments plus interest on reducing balance

Home Loans to purchase condominium

We have tied up with some of Sri Lanka’s leading Condominium Property Developers to support the aspirations of Sri Lankans seeking to purchase apartments several popular locations in Colombo, suburbs, Galle and in Kandy.

You can obtain up to 70% of the value of an apartment at competitive interest rates with flexible repayment options, and that the loans can be disbursed within a week from the date of application where there exists tripartite agreements between the Bank, the Borrower and the Developer.

You only need to provide the Sales and Purchase Agreement along with your personal and income related information to apply for the loan. Loans can be granted in Sri Lankan Rupees or in Foreign Currency (available only for Sri Lankans who are employed Abroad) depending on the your choice and Foreign Currency Loans can be repaid in the same currency, through NRFC accounts.

Required documents

  • Copy of NIC (National Identity Card) or Passport
  • Last 3 months’ salary slips
  • Letter from your employer confirming your particulars
  • Statements of bank account(s) to which the salary was remitted during at the last 3 months
  • Details of any other loans that you currently have
  • Marriage Certificate (for joint applicants)

*Terms & Conditions apply

Product information and terms & conditions are subject to change from time to time. Therefore, it is advisable to contact us for the latest information and prevailing terms & conditions.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Get in touch with us 

If you have any questions about getting a mortgage with us, or about making changes to your existing mortgage, please get in touch. You can speak to a mortgage consultant in your local area, send us a message online, or give us a call Monday to Friday 9am-5pm, and Saturday 9am-3pm.

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Call Us

Sri Lanka 
+94 775 742 574 / +94 772 072 879

United Kingdom 
+44 7596 046 440

If you are calling from overseas you can talk to us free via WhatsApp or Viber.

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ඔබට සිංහල භාෂාවෙන් තොරතුරු ලබා ගැනීමට අවශ්‍ය නම් මෙම දුරකථන අංකය භාවිතා කරන්න: +94 772 072 879‬

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Siyapatha Finance PLC Nation Trust Bank Seylon Bank Sri Lanka NDB Bank Sri Lanka DPMC Assetline Holdings (Pvt) Ltd