| Application form | Confirm the form is complete and all required sections are filled. | Applicant identity | Full name, RSA PIN, biometric (signature / picture), BVN, type of application |
| Application form | Confirm lender details are provided and consistent across supporting documents. | Mortgage lender details | Mortgage lender name, address |
| Application form | Confirm property and funding details are provided and consistent. | Description of property | Type of mortgage, type of property, value of property, RSA balance, equity amount, loan amount |
| Application form | Confirm beneficiary account details are provided. | Bank payment details | Bank account number, bank name |
| Application letter by the RSA holder | Must be addressed to LPPFA and signed by the RSA holder. | Applicant request | Addressed to LPPFA, RSA holder full name, RSA PIN, signature |
| Introduction letter from the employer | Must state the year of employment. | Employment confirmation | Employer name, RSA holder name, year of employment |
| Letter of confirmation of non-remittance (Public sector only) | On employer letterhead. Must include required retirement details. | Non-remittance confirmation | Customer name and RSA PIN, retirement date (≥ 3 years as at date) or organisation retirement age |
| NIMC | Confirm identity fields match other documents. | Applicant identity | Surname, first name, middle name, gender, date of birth, NIN, picture |
| Bank statement (RSA holder with the mortgage lender) | Confirm the account belongs to the RSA holder and transactions are present. | Banking evidence | Bank name, account number, account name (must tally), transactions, customer name |
| Mortgage loan offer letter | On mortgage bank letterhead. Values in words and figures must tally. | Loan offer | RSA holder full name, value of property, loan amount, equity amount, supplementary contribution amount (where applicable), repayment plan |
| Mortgage loan offer letter | Confirm property details are clearly stated. | Property details | Type of property, description of property |
| Mortgage loan offer letter | Confirm the RSA holder’s bank details with the mortgage lender. | Bank details | RSA holder account name, account number with the mortgage lender |
| Memorandum of acceptance | Confirm acceptance is signed. | Acceptance | RSA holder name, signature |
| Property offer letter | Must be signed by the developer/owner of the property. | Property offer | Developer/owner name, customer full name, property description, property address, property type, value of property, signature |
| Letter of verification of property offer | On employer letterhead addressed to LPPFA and must state authenticity. | Property verification | Customer full name, value of property, property description, property address, authenticity statement |
| Consent form (signed by RSA holder) | Must be dated and signed. | Consent | Customer full name, RSA PIN, signature, date |
| Letter of indemnity by RSA holder | Addressed to LPPFA HQ and stamped by the court. | Indemnity | Customer full name, RSA PIN, court stamp |
| Letter of indemnity from mortgage lender | Must include LPPFA name and HQ address and be signed by authorised signatory. | Indemnity | LPPFA name and HQ address, customer full name, RSA PIN, authorised signatory |
| Pension clearance certificate | Must be valid till end of current year. | Compliance | Certificate validity date |
| RSA statement / TH | Confirm minimum eligibility checks and statement signing. | RSA eligibility | RSA PIN and name, RSA closing available value, 25% of RSA ≥ equity amount requested, first/last contribution dates, signed statement, previous withdrawals, number of months contributions (min. 60) |
| Valuation report | Must be signed by a registered valuer and include valuation figures. | Property valuation | Mortgage lender name, customer full name, registered valuer signature, valuation figures/details, property address |
| Property insurance | Sum assured must be ≥ value of property or forced sale value (per valuation report). | Insurance | Customer full name, property description, sum assured, insurer name |
| Credit life / mortgage protection insurance | Sum assured must be ≥ value of property. | Insurance | Customer full name, property description, sum assured, insurer name |
| Confirmation of availability of property | Addressed to LPPFA and confirms availability. | Property availability | Customer full name, property description, availability confirmation |
| Property title document | Must reconfirm title holder on the legal search and address name discrepancies. | Title confirmation | Title holder name(s), supporting documents for name discrepancies |
| Legal search / deed / power of attorney / CofO / RofO | Confirm title holders, full description, and no encumbrances. | Legal title | Title holders, property description, confirmation of no encumbrances |
| Deed of assignment (where applicable) | Required where there is a joint venture between landowner and developer. | Legal title | Joint venture agreement evidence (landowner + developer) |
| Letter of readiness to disburse | Mortgage bankers’ letter addressed to LPPFA confirming readiness to disburse. | Disbursement readiness | Customer full name, loan amount (words/figures), equity amount (words/figures), property description, customer account number with mortgage bank, readiness statement |
| Checklist | Checklist must be ticked correctly and match customer details. | Completeness check | Customer full name, RSA PIN, correctly ticked items |
| Mortgage application form | Confirm full details and consistency with offer letter and valuation. | Mortgage application | Customer details, property description, value of property, equity amount, loan amount, repayment plan |
