Mortgage Products Built for Kenyans

Fixed Rate Mortgage

Stability you can plan around. Your monthly repayment is fixed for the full term of your mortgage — it never changes, no matter what happens to interest rates in the market.

This product is especially suited to first-time buyers who want to avoid the complexity of adjustable rates. The security of knowing your payment will never increase is worth a great deal.

Flexible 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.

Suits entrepreneurs and professionals who expect their income to grow significantly over the next few years.

Construction Financing

Building from the ground up? We release funds in stages as your construction progresses — protecting your project from financial risk at every phase.

Tranches aligned with building progress: foundation, slab, roofing, finishing. You only pay interest on what you've drawn down.

Construction End Loan

When your build is complete, we convert your construction loan into a permanent long-term mortgage — seamlessly, with minimal disruption.