Zambia National Building Society (ZNBS) is a leader in Zambia’s housing finance sector, with over 50 years of experience. ZNBS operates across all provinces, offering a wide range of affordable mortgage products, including diaspora mortgages, unsecured housing loans, and financing for bare land. In recent years, ZNBS has introduced innovative solutions such as group mortgages, enabling multiple applicants to share a mortgage, and alternative energy financing, which helps homeowners adopt solar energy. The organisation is deeply committed to affordable housing, having assisted over 2400 families in securing homeownership in the past year. ZNBS has also partnered with key stakeholders to roll out large housing projects across Zambia, including the Kwathu Hills project in Chilanga, which will feature over 135 serviced plots. By acquiring land banks and developing infrastructure, ZNBS aims to reduce housing costs and unlock economic potential for more Zambians. Their efforts have not only contributed to reducing Zambia’s housing deficit but also created jobs, with an estimated 1800 temporary jobs generated through construction activities last year. As ZNBS continues to innovate and expand its offerings, it remains committed to sustainable development, integrating green building practices to reduce environmental impact and promote long-term environmental stewardship. With a 23 percent growth in its mortgage portfolio over the past year, ZNBS continues to lead the market with its customer-centric approach and innovative financing solutions. The CFI.co Judging Panel congratulates Zambia National Building Society on winning the 2024 award for Best Mortgage Provider (Zambia).