Spread the wordThe federal government’s recent validation of the National Mortgage Industry Policy and the National Housing and Built Environment Regulation Policy marks an important milestone in the quest to reposition Nigeria’s housing sector. As these reforms move towards adoption, they also provide an opportunity to take a broader look at the challenges confronting Nigeria’s housing sector. However, Nigeria’s housing deficit cannot be solved by government housing institutions alone. Since a perfected mortgage constitutes the lender’s primary security, simplifying title registration and reducing the cost and time required for perfection would significantly improve access to mortgage finance. The federal government’s proposed reforms provide a promising foundation for repositioning Nigeria’s housing sector.