Mixta Africa has called for a comprehensive housing delivery system that addresses supply, affordability and developers’ capacity, saying isolated interventions will not resolve Nigeria’s housing deficit at scale.
The company’s Group Chief Commercial Officer, Tola Akinsulire, made the call during a chief executive officer panel discussion on ‘Public-Private Partnerships for Large-Scale Housing Delivery: Unlocking Housing at Scale Through Collaboration’ at the recently concluded Africa PropTech Priority Summit (APPSUMMIT 2026), organised by PROPTECH ROUNDUP in Lagos.
The panel also featured UPDC Chief Executive Officer Odunayo Ojo and Alitheia Capital Co-Founder and Managing Partner Olajumoke Akinwunmi.
Akinsulire said Nigeria had largely approached housing through separate interventions, particularly mortgage initiatives, without adequately addressing the broader ecosystem required to deliver homes at scale.
He cited Morocco’s housing programme as an example of how coordinated government policies could stimulate both housing supply and demand.
According to him, Mixta Africa delivered 4,393 housing units on a single site in Morocco after the government introduced incentives for developers and prospective homeowners.
He explained that, under a 2010 programme, participating developers committed to building homes priced at 250,000 Moroccan dirhams and delivering at least 500 units within five years. In return, they received tax incentives covering parts of the value chain, including cement and company income tax.
On the demand side, buyers of qualifying homes were exempted from value-added tax, while a government-backed guarantee scheme covered up to 70 per cent of lenders’ credit risk following default.
Akinsulire said the combination of incentives encouraged banks to lend and made homeownership more accessible.
On public-private partnerships (PPPs) in Nigeria, he urged governments to distinguish between projects designed to generate revenue and those intended to provide affordable housing.
He said affordability-focused projects might require government support through land, infrastructure or other subsidies, alongside realistic pricing arrangements.
Akinsulire identified trust, buyer affordability and developers’ capacity to deliver as critical requirements for successful housing partnerships. He warned that improving access to finance without increasing housing supply would leave the problem unresolved.
He also challenged property technology innovators to develop solutions that reduce costs, delays and risks across land titling, approvals, construction monitoring, sales and off-plan financing.
Meanwhile, Akinwunmi identified inadequate structured engagement, weak frameworks and a lack of trust as major obstacles to effective PPPs.
She called for transparent procurement, stronger collaboration and properly prepared projects, warning that land deals often encountered unresolved ownership disputes, compensation issues and unsuitable building sites.
Akinwunmi estimated Nigeria’s housing challenge at approximately 30 million units, comprising a deficit of about 15 million homes and more than 15 million existing homes considered structurally inadequate or substandard.
Ojo described housing as fundamentally an economic challenge, citing rising government charges and low household incomes. He called for tax breaks and incentives for housing development, similar to those available in other industries.
He also advocated build-to-rent schemes, arguing that many Nigerians remained unable to afford homeownership even with zero-interest mortgages because of limited purchasing power.
Ojo added that collaboration among industry stakeholders could help reduce overheads and improve housing affordability.