Live Smarter and Better
🏠 Now live in Lagos, Abuja & Port Harcourt

The Financial Layer for How Africa Lives

Book hotels, find shortlets, finance your rent, build your housing credit score — all in one platform. Every wall has a reason. Every space, a story.

12K+
Active Users
₦4.2B
Rent Financed
850+
Properties
98%
Repayment Rate
Features
Everything housing, one platform
Stop switching between booking apps, bank apps, and landlord WhatsApp groups.
🏨

Hotels & Shortlets

Book verified stays across Nigeria. Instant confirmation, real reviews, flexible cancellation.

💰

Shelfund Financing

Split rent into monthly payments. Up to 9 months for rentals, 3 months for shortlets. FAME Bank, Shelfund, and partner lenders compete for your rate.

📊

Sheltium Score

Build a housing credit score from your rent history, property care, and tenancy duration.

🏠

Tenant Dashboard

Manage lease, maintenance, utilities, and landlord communication from one place.

🏦

FAME Bank Wallet

Dedicated wallet with FAME Bank account number. Fund, withdraw, and track every transaction.

🛡️

Verified Properties

Every listing inspected. Amenities verified: 24/7 power, security, pool, parking, and more.

How it works
Four steps to better living
01

Discover

Browse hotels, shortlets, or rental homes. Filter by amenities that matter to you.

02

Book or Apply

Secure your stay instantly or apply for a rental with your Sheltium profile.

03

Shelfund

Pay in full or use Shelfund. Lenders compete. Funds go directly to your landlord.

04

Build Score

Every payment builds your Sheltium Score, unlocking bigger opportunities.

752Excellent
Sheltium Score

Your credit passport for housing

Traditional credit scores don't work for renters. Sheltium Score is built on how you actually live.

Qualify for rent financing up to ₦5M
Lower interest rates from partner lenders
Priority access to premium listings
Portable across landlords and cities
Testimonials
Loved by renters across Nigeria
★★★★★
"I was stressed about December rent. Sheltium split it into 6 months and I didn't need a guarantor."
C
Chioma A.
Lagos, Tenant
★★★★★
"The Sheltium Score is genius. My landlord renewed my lease at a discount because of my rating."
E
Emeka O.
Abuja, Tenant
★★★★★
"Booked a shortlet for a work trip and the whole experience was seamless. The FAME wallet makes payments easy."
A
Aisha M.
PH, Remote Worker
Partners
Trusted by leading institutions
We partner with top banks, fintechs, and premier estates across Nigeria.
Financing Partners
🏦
FAME Bank
Primary Partner
💰
Shelfund
In-house Financing
🏛️
Sterling Bank
Lending Partner
⚡
Carbon
Micro-lending
💳
Paystack
Payment Processing
📱
Flutterwave
Payment Gateway
🔐
Mono
Bank Verification
🆔
Smile ID
Identity Verification
🏦
FAME Bank
Primary Partner
💰
Shelfund
In-house Financing
🏛️
Sterling Bank
Lending Partner
⚡
Carbon
Micro-lending
💳
Paystack
Payment Processing
📱
Flutterwave
Payment Gateway
🔐
Mono
Bank Verification
🆔
Smile ID
Identity Verification
Top Estates
🏘️
Lekki Gardens
Lagos
🏗️
Eko Atlantic
Lagos
🌇
Banana Island
Ikoyi, Lagos
🏡
Jabi Lake Estates
Abuja
🏠
Carlton Gate
Chevron, Lagos
🏙️
Pinnock Beach
Lekki, Lagos
🏢
Ikota Villa
Lekki, Lagos
🌴
Royal Gardens
Ajah, Lagos
🏰
Asokoro Gardens
Abuja
🏖️
GRA Phase 2
Port Harcourt
🏘️
Lekki Gardens
Lagos
🏗️
Eko Atlantic
Lagos
🌇
Banana Island
Ikoyi, Lagos
🏡
Jabi Lake Estates
Abuja
🏠
Carlton Gate
Chevron, Lagos
🏙️
Pinnock Beach
Lekki, Lagos
🏢
Ikota Villa
Lekki, Lagos
🌴
Royal Gardens
Ajah, Lagos
🏰
Asokoro Gardens
Abuja
🏖️
GRA Phase 2
Port Harcourt

Ready to live smarter?

Join thousands building their housing future with Sheltium.

Dashboard

⏰ RENT DUE IN 12 DAYS
₦1,800,000 due May 8
Ikeja GRA Apartment · 3 Bed
🛡️ Sheltium Score
752
+12 this month · Qualify for ₦2.5M
📈 Financing Limit
₦2.5M
Pre-approved · 4 lenders

Quick Actions

Trending Near You

Homes to Rent

🔍 Search by city, area, or property name...
AMENITIES
🏠
Ikeja GRA Apartment
3 Bed · 2 Bath · 110 sqm
Active Lease
Next Payment
₦1.8M
May 8, 2026
Lease Ends
348 days
Auto-renew on
Landlord
Mr. Adeyemi
< 2hrs response

Home Services

Available Balance
₦847,320
📈 +₦125,000 this month
FAME BANK
2088 4412 7790
Financing Limit
Based on Sheltium Score 752
₦2,500,000

Upcoming Payments

Rent — Ikeja GRA
Due in 12 days
₦1,800,000
Pre-approved offers
4 lenders competing — rates from 16% APR
A
✎
Adaeze Okafor
Member since 2024 · Lagos
Sheltium Score
752Excellent
Rank
Top 15%
Max
₦2.5M
Trend
↑ +12
Score Breakdown

Your KYC Tier Tier 2 of 3

Tier 1 · Browse
✓
Email + phone OTP. Browse properties, save favourites.
Tier 2 · Book
●
+ NIN + FAME wallet. Book shortlets/hotels, fund wallet.
Tier 3 · Rent
○
+ Address, employment, guarantor. Rent + financing.

Account Verification

📧
Email Verification
OTP sent to ad***@gmail.com
Verified ✓
📱
Phone Verification
OTP sent to +234 *** *** 4421
Verified ✓
🆔
NIN Verification
National Identity Number
Verified ✓
🏦
BVN Verification
Verified by FAME Bank during wallet creation
Verified ✓
📄
Proof of Address
Utility bill or bank statement
Upload
💼
Proof of Employment
Employment letter or payslip
Upload

Landlord Details (for Financing)

Financing is disbursed directly to your landlord. Please provide accurate landlord information.
Need help? Reach us through any of these channels.
💬
Live Chat
Chat with an agent now. Average response: 2 mins.
📧
Email Support
support@sheltium.com — We reply within 4 hours.
📞
Phone Support
+234 800 SHELTIUM — Mon–Sat, 8am–8pm
📱
WhatsApp
+234 901 234 5678 — Quick responses via WhatsApp.
🐦
Social Media
@sheltium on Twitter/X, Instagram, LinkedIn.
📚
Help Center
Browse FAQs, guides, and tutorials.

Common Questions