What we do

The Oak IF Group specialises in the financing and construction of social housing in Natal, in north-eastern Brazil, where we supply homes for the government backed programme Minha Casa Minha Vida – meaning My House My Life.

Minha Casa Minha Vida was launched in 2009 by the government of Brazil with the aim of eradicating the poverty-stricken favelas. By providing low cost finance to people earning less than three times the minimum wage, it enables them to purchase these new affordable homes.


Caixa Economica Federal Bank is empowered to oversee the programme and manage the finance. Demand has been so great that Banco do Brasil has now been incorporated into the finance management.


The programme has been hugely successful, by helping to relocate 4.4 million of Brazil’s poorest families to date, with the aim of providing 24 million new homes in the coming years.


Although providing finance for homebuyers, the Brazilian government does not directly fund construction, which is entirely in the hands of independent property developers. The Oak IF Group raises funds from investors and develops properties to be sold as part of the My House My Life programme. We manage the entire development process from the sourcing of suitable projects, through the construction phase, right down to the sales to end user buyers.

The huge demand within this programme outstrips supply with many properties being sold off-plan before construction has even started, thus guaranteeing an exit strategy. With the long-term aim of the My House My Life programme being to provide adequate accommodation for all and to eradicate favelas throughout the country, demand for such properties is expected to rise even further during the coming years.

Across its various departments and construction sites, The Oak IF Group provides employment for more than 100 people. Our young, professional and highly-motivated team on the ground manages all aspects of delivering suitable properties for the Minha Casa Minha Vida programme, through:

Sourcing projects

Managing planning