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banks offering home loans in Sri Lanka

Prompt

Last updated 30th October 2025

Domain count
deposit.lk
3
en.wikipedia.org
2
hnb.net
1
Citations count
22
7
6
9
Brands Discovered
19
17
6
8

Original answer

Here’s a concise list of banks and major lenders in Sri Lanka that offer home / housing loans (mortgages). I’ve included the largest and most commonly used providers — product names and exact rates/eligibility vary, so check each bank for current offers:

Major state banks

  • Bank of Ceylon (BOC). (Deposit.lk)
  • Peoples Bank. (Deposit.lk)
  • National Savings Bank (NSB). (Deposit.lk)

Large private & commercial banks

  • Commercial Bank of Ceylon (ComBank). (en.Wikipedia.org)
  • Hatton National Bank (HNB) — HNB home loans and HNB Finance products. (hnb.net)
  • Sampath Bank (Sampath Sevana / housing loans). (Deposit.lk)
  • Seylan Bank (home/housing loans). (en.Wikipedia.org)
  • DFCC Bank (housing & construction loans). (Deposit.lk)
  • Nations Trust Bank (retail mortgages / housing). (Deposit.lk)
  • Union Bank of Colombo (home loans). (unionb.com)

Specialized / finance companies and other lenders

  • State Mortgage & Investment Bank (SMIB) — specialised housing finance. (Deposit.lk)
  • Licensed finance companies and bank subsidiaries (e.g., HNB Finance, LB Finance and others) also offer housing/mortgage-style products. (Deposit.lk)

Notes and quick tips

  • Product details (interest rate, fixed vs floating period, maximum tenure, LTV, fees and eligibility) differ significantly between banks and change frequently — compare current rates and terms before applying. DepositLK and individual bank pages are good starting points for comparisons. (Deposit.lk)
  • Many banks link floating rates to the AWPR/AWPLR or offer fixed-rate windows for the first few years — ask how the rate will behave over the full loan term. (Deposit.lk)
  • For non-residents, foreign-currency options, loan takeovers and construction finance, check bank-specific product pages (requirements vary). (hnb.net)

If you’d like, I can:

  • Compare current home-loan rates/terms from 3–5 specific banks (I’ll fetch their latest advertised rates).
  • Provide contact pages/phone numbers for any of the banks above.

Which would you prefer? (If you want rate comparisons, tell me 1–2 banks to prioritize or I’ll pick the major ones.)

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Rank
Brand
Topic
LLM
Sentiment
1
🥇

Bank of Ceylon

87%
85%
90%
85%
Neutral
2
🥈

Hatton National Bank

70%
70%
65%
75%
Neutral
3
🥉

People’s Bank

55%
80%
85%
0%
Neutral
4

National Savings Bank

52%
75%
0%
80%
Neutral
5

Seylan Bank

50%
55%
95%
0%
Neutral
6

Commercial Bank of Ceylon

47%
70%
0%
70%
Neutral
7

DFCC Bank

42%
50%
75%
0%
Neutral
8

Nations Trust Bank

42%
45%
80%
0%
Neutral
9

Sampath Bank

40%
60%
60%
0%
Neutral
10

LB Finance

32%
35%
0%
60%
Neutral
11

Standard Chartered Sri Lanka

23%
0%
70%
0%
Neutral
12

Standard Chartered Bank

22%
0%
0%
65%
Neutral
13

Union Bank of Colombo

15%
45%
0%
0%
Neutral
14

Deposit.lk

13%
40%
0%
0%
Neutral
15

Wikipedia

13%
40%
0%
0%
Neutral
Domain
Title
LLM
URL
Housing Loans in Sri Lanka: A Simple Guide | DepositLK
Openai
Bank Loan Comparison Sri Lanka: A Simple Guide | DepositLK
Openai
Commercial Bank of Ceylon
Openai
Housing Loan: Home Loan with Lowest Interest Rates Online Sri Lanka | HNB Bank
Openai
Seylan Bank
Openai
Housing Loan Rates | Union Bank of Colombo PLC Sri Lanka
Openai
Mortgage Rates Sri Lanka Guide | DepositLK
Openai
boc.lk
Gemini
nsb.lk
Gemini
hnb.lk
Gemini
combank.lk
Gemini
sc.com
Gemini
lbfinance.com
Gemini
seylan.lk
Perplexity
peoplesbank.lk
Perplexity
nationstrust.com
Perplexity
dfcc.lk
Perplexity
lankapropertyweb.com
Perplexity
sampath.lk
Perplexity
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