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Home Owners Mortgages

For over 50 years, Housing Finance has been providing mortgage solutions for the Kenyan market. We have been market leaders in the housing industry in Kenya helping in the provision of one of life’s main basic need – Shelter. At Housing Finance, we pride ourselves in being the premier property finance institution in the country, with a variety of products that suit your needs whether employed or in business.

The following loan types are available for you;

  • Owner Occupied Residential -For a loan to purchase a property that the borrower intends to occupy as the primary home, we shall lend up to 90% of the value of that property.

  • Investment Residential - - this is a loan taken for a property considered an investment and not intended to be occupied as the primary home of the borrower.

  • Equity release and Top-up Loans - As you repay your mortgage, you acquire equity in that property which can be availed to you for further property development or other uses. We can lend you money on the value of your own equity.

  • Construction Loan - This is a facility to finance the construction of a residential property. The terms are that the project will have to be managed by an agreed group of professionals and disbursement will be on an arrears basis to the person contracted to build the structure.

  • Residential Plot purchases - This is a product that is intended to extend money to people who want to buy a property to develop a residential house upon the plot. These loans must be fully repaid within 5 years

Scheme Loans - There are several companies with whom we have corporate schemes at negotiated rates. Talk to any of our relationship officers and find out if your company has a scheme with us.

Financing Options

Financing Options

Loan Type Financing Upto
Owner Occupied Residential 95%
Investment Residential 85%
Equity Release 90%
Construction Residential 90%
Residential Plots 70%
Amounts In Arrears

Where a borrower is in breach of the contractual obligation to repay the loan in schedule instalments, additional interest will be charged on the amounts so unpaid. All loans for which instalments have not been received will pay a standard Base plus 4.25% p.a. on the amounts due but not yet received (i.e. on the arrears balance only).


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Head Office: Rehani House
Kenyatta Avenue / Koinange Street
PO Box 30088 – 00100 GPO
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