Mortgages date back to ancient Rome, where properties were used as collateral, similar to modern loans.
For many retirees, their homes are more than just places to live—they’re a lifetime investment and often their most valuable asset. Yet, turning that investment into cash without selling the home has long been a challenge. In many countries, reverse
Kenyan banks are facing a significant challenge as the Ethics and Anti-Corruption Commission (EACC) ramps up efforts to reclaim public properties that were illegally acquired and later used as collateral for loans. This situation is placing financial institutions at risk
In Kenya, riparian zones are vital ecological buffers that protect aquatic ecosystems, prevent environmental degradation, and maintain biodiversity. However, these areas also intersect with the mortgage finance sector, particularly in urban and peri-urban developments. Mismanagement or encroachment on riparian zones
Bulk valuations refer to the practice of evaluating a group of similar properties within a single development or project as a collective, rather than individually assessing each unit. This approach is particularly useful for new housing developments where the units
Kenya’s housing and mortgage market is poised for significant growth in 2025, driven by increasing urbanization, expanding middle-class demands, and government-led affordable housing initiatives. As the country navigates challenges such as affordability, inventory shortages, and the need for digitization, key
Refinancing a mortgage can be a powerful tool for Kenyan homeowners looking to lower their monthly payments, access equity, or shorten their loan terms. However, like any financial decision, it requires careful consideration to ensure the benefits outweigh the costs.
Choosing the best mortgage financing option can be overwhelming, but securing the best rates is key for a smooth homeownership journey. This guide provides insider tips to help you negotiate, compare, and make informed decisions to save money on your
Buying a property in Kenya is an exciting milestone, but it’s also a financial commitment that goes beyond the purchase price. Many prospective homeowners overlook the additional costs involved, leading to unexpected surprises during the process. This blog post provides
For many Kenyans, saving for a down payment on a home can be a significant barrier to homeownership. Traditional mortgages often require an upfront payment of 10% to 20% of the property’s value, which can take years to save. Enter
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Key Considerations When Selecting a Contractor for a Bank-Financed Construction Loan
When taking out a construction mortgage loan from a bank in Kenya, selecting the right contractor is crucial for ensuring the project progresses smoothly and remains within budget. Some banks provide a panel of approved contractors, while others allow borrowers