Vuna Hela

The Vuna Hela, equity release solution is ideal for customers who already own property and are in need of cash for other needs. The solution allows customers to tap into the value of their assets, to achieve their investment goals. We finance up to 90% of the property value, for a period of up to 20 years for employed individuals and 10 years for SMEs and groups.


Requirements for Employed Persons

  • ID/Passport copies
  • KRA PIN Copy
  • 3 months' payslips
  • 6 months' salary bank account statements
  • Letter from employer
  • Copy of title

Requirements For Self-Employed Customers

  • ID/Passport copies
  • KRA PIN Certificate
  • 3 years' audited books of account
  • 1 year bank statements
  • Certified copy of partnership deeds (for partnerships) and Rental schedules (for Landlords)



  • Up to a maximum of 90% of the value of the property
  • Maximum loan term of 20 years for employed individuals and 10 years for SMEs and Groups 


Fees & Rates

  • Commitment Fee of 1.5%
  • Valuation fee of approximately 0.5%
  • Legal Fees of approximately 1-2%



  • Provides customers with affordable way to get cash off their homes
  • Up to 90% financing
  • Longer repayment durations of up to 20 years
  • Mortgage protection cover in case of death or disability
  • Insurance cover provided for fire