Your Kenyan dream to owning
a home starts here.
Opening new opportunities on your path to owning a home, to help you navigate home ownership.
International Reach: NMCL Partners with Business Finance Group (USA)
This landmark partnership opens the door for diaspora clients to access mortgage financing for properties both in Kenya and abroad. Whether you live in the USA, Europe, or anywhere in the world, you can now access mortgage solutions through Nationwide Mortgage Ltd's partnership with Business Finance Group.
Official International Partner
THE PROCESS
Offering: Getting a Mortgage Simpler Than You Think
Origination
Step 1 — Tell Us Your Goal
Buying a completed home? Building from scratch? Investing? Tell us where you are and we guide you from there.
Processing & Analysis
Step 2 — We Match You to the Right Product
Fixed rate, flexible ARM, or construction loan — we explain each option in plain language so you choose with confidence.
Finding Lender
Step 3 — We Walk With You to Approval
Our team handles the process, the paperwork, and the lenders. You focus on finding your home.
FINANCING
Fixed Mortgage (5–15 Years)
Same payment every month, no surprises. Plan your budget with total certainty.
Learn MoreFlexible Mortgage / Adjustable Rate
Start with lower initial payments, then adapt as your income and life circumstances evolve. Built for Kenyans whose financial situation is growing.
Apply for Flexible MortgageConstruction Financing
Building from ground up? We release funds in stages as your construction progresses.
Learn MoreConstruction End Loan
When your build is complete, we convert your construction loan into a permanent mortgage — seamlessly.
Learn MoreSee What Your Monthly Payment Could Look Like
Enter your details below and get an instant estimate in Kenyan Shillings (KES).
We Educate First
Most Kenyans have never taken a mortgage. We partner with KPRA to train first-time buyers so you walk in informed, not confused.
We're Locally Rooted
Incorporated in Kenya. We understand land titling, NCA regulations, and how construction financing works here.
We Protect Your Investment
Mortgage life insurance, disability cover, and home insurance — we protect you long after you move in.
FREE RESOURCE
The Free Mortgage Home Kit
Your starting point on the journey to owning your first home in Kenya. A complete roadmap, workbook, and guide for the first-time buyer.
The kit is provided free of charge to first-time buyers who sign up for an NMCL workshop or inquiry session.
Claim Your Free Home Kit Today
FOR DEVELOPERS & LANDLORDS
Mortgage Origination & Property Marketing
Nationwide Mortgage Ltd works with property developers, landlords, and real estate agents to market and originate mortgages for properties that need financing.
If you are a developer or property owner with units that need mortgaged buyers, we connect you with qualified buyers and facilitate the process end to end.
Partner With Us
Empowering Kenyans Through Education
Buying a home is the biggest investment you'll ever make. Our weekend workshops cover everything from land titling and NCA approvals to mortgage math.
Upon completion, you get a NMCL Homeownership Certificate which can unlock better mortgage rates and faster approvals.
View Workshop Schedule
Kenyan Mortgage Application (KYC)
Let's get started on your journey home. Fill in the details below.
Who is NMCL for?
First-Time Home Buyers
Never done this before? Perfect. We'll educate you, guide you, and make buying your first home simple.
This Is MeHome Builders
Have a plot and want to build? Our construction financing releases funds stage by stage as your project grows.
This Is MeInvestors
Looking for secured, high-yield returns? Our investor fund pool offers dependable returns backed by real Kenyan property.
This Is MeBACKED BY KENYA'S TRUSTED INSTITUTIONS
Meet Our Leadership
Prof. Noah Midamba
Acting Chair
Peter K. Wairegi
Managing Director & CEO
Patricia N. Gathuri
Director, Corporate & Public Relations
Njuki Kihori
Customer Service
Eva Wanja
Legal Counsel & Company Secretary
"I had no idea where to start with buying land and building in Kiambu. NMCL walked me through every step."
— James M., Kiambu"As a first-time buyer in Nairobi, I was terrified of the process. They made it feel manageable."
— Grace W., Nairobi"The construction financing released funds as we built. No stress, no lump sum risk."
— Samuel O., Mombasa