9.5% fixed. Up to KES 10.5M. Twenty-five years to pay.
Everything in Jenga Stress Free, plus the financing to begin. A KMRC-backed mortgage we prepare, submit and follow through while your drawings and costing are being done. It can buy the plot too, as long as the land and the build together stay under KES 15 million.
What this covers
Enough to finish, not just to start
KES 10.5 million builds a maisonette or a good-sized bungalow. It can buy the plot too, as long as the land and the build together stay under KES 15 million.
You can top up the difference
Your whole project, land included, can run to KES 15 million. The mortgage covers up to 10.5 of it and you put in the rest.
We prepare the application, not you
The same end-to-end construction service, with the financing application assembled, submitted and followed through by us rather than left on your desk.
Before you talk to anyone
What would it cost you a month?
9.5% fixed for the whole term. It doesn’t move when the Central Bank rate moves. Set the two figures and the answer appears beside them.
KES 43,685
At the 13.5% market average the same loan costs
KES 4,379,223
more in interest over 25 years.
What you get for it
The rate is the headline. The ownership is the point.
Over 25 years that is KES 10,500,000 paid out, and none of it is yours at the end. And that assumes your rent never goes up.
The repayment above is KES 8,685 a month more than that, for a house you own.
9.5%
A variable rate is a different promise. The Central Bank’s mortgage survey put the market average at 15.2% in 2024 and 13.5% in 2025, with individual loans ranging from 7.5% to 20.4%.
On a loan where the rate can move, one percentage point changes this monthly by about KES 3,524. Yours cannot move.
3.10×
That is roughly 6.3% a year over eighteen years, and ahead of the Nairobi suburbs over the same period.
It is not a straight line. Kiambu prices fell 4.8% in the year to June 2026. A rate fixed for 25 years is how you sit out a year like that rather than being forced to sell into it.
In their words
Clients who have been through it.
Not ready to talk yet
Read what this actually involves before you commit to anything.