A priority country, Reall has worked in Pakistan since 1992, primarily in partnership with Ansaar Management Company (AMC) and Modulus Tech.

With a housing deficit of over 9 million units and an annual shortfall exceeding 270,000 homes, Pakistan faces a deep and persistent housing crisis. Inflation and rising construction costs continue to push home ownership further out of reach for lower-income households. Access to housing finance remains severely limited, with fewer than 2,000 new mortgages issued annually, most of which go to middle- and high-income earners.

Through AMC, Reall has financed over 750 homes across Faisalabad, Lahore and Peshawar. Not only do AMC deliver innovative modular construction techniques that enhance efficiency, but their developments favour the need for outside space, connected amenities and strong communities. Additionally, AMC have had considerable success in developing agreements with HBFC Bank to provide mortgages for AMC’s clients, to ensure stability and tenure to their residents.

Modulus Tech is an award-winning social enterprise delivering flat-pack, prefabricated eco homes that can be assembled in days. The Zero Carbon Pilot project, funded by Reall, pioneers 10 of the first ever net-zero prefabricated homes in Pakistan that target lower-income households in Karachi. Their pioneering technology reduces carbon emissions by up to 90% per house over its lifetime, surpassing even EDGE Advanced standards, and enables off-grid living with integrated renewable energy and water systems.

These partnerships demonstrate how innovative, climate-smart construction can deliver fast, affordable, and net-zero housing solutions for low-income communities in one of the world’s most housing-stressed markets.