Fahari Residences
Modern apartments in a secure gated community — ideal for first-time home buyers and investors seeking affordable housing in Nairobi.
Property financing at competitive rates
Mortgage, home loans and property financing in Kenya
HFCB is one of Kenya's leading mortgage providers — offering home loans, affordable mortgages, KMRC-backed mortgages, construction loans, land financing and property investment loans for individuals, businesses and the diaspora. We also finance SMEs with working capital loans, invoice financing, asset financing, trade finance and business growth financing. Whatever you're building, we help you create great.
Property financing in Kenya — plots, land and homes
Looking for plots for sale in Kenya, land for sale in Ruiru, a serviced plot in a gated community, or an affordable home in Nairobi? HFCB property financing covers residential plots, serviced plots, gated communities, luxury homes and affordable housing — backed by real estate investment expertise developed over 60 years.
VillaKazi Homes
Family villas with title-ready ownership — a turn-key route to home ownership for working professionals and the diaspora.
Mang'u Gardens
Serviced residential plots and gated-community land near Thika and Ruiru — perfect for self-build mortgages and long-term property investment in Kenya.
Mortgage & property financing FAQs
- How do I qualify for an HFCB mortgage in Kenya?
- You qualify by being employed or running a verifiable business, with a deposit (typically 10–20% of the property value) and income that comfortably services the monthly repayment. HFCB also offers KMRC-backed affordable mortgages with longer tenors and lower rates for qualifying buyers.
- What is the best mortgage rate in Kenya right now?
- HFCB offers competitive mortgage rates linked to the Central Bank Rate. KMRC-refinanced loans typically attract some of the best mortgage rates in Kenya — visit any HFCB branch or use our mortgage calculator to get a personalised quote.
- Can I get a construction loan with HFCB?
- Yes. HFCB construction loans finance your build in tranches as work progresses, with technical inspections at each draw-down. Use them to build on land you already own, including residential plots and serviced plots in gated communities.
- Can I finance plots or land with HFCB?
- Yes. HFCB land financing and asset financing cover residential plots, serviced plots and land for sale in Ruiru, Thika, Kitengela, Nairobi and across Kenya — including plots in our partner property projects such as Fahari Residences, VillaKazi Homes and Mang'u Gardens.
- Do you offer mortgages for the Kenyan diaspora?
- Yes. HFCB diaspora mortgages let Kenyans living abroad buy homes or plots in Kenya, with simple documentation, currency-aware lending and digital application via HFCB Whizz and internet banking.
- What SME and business loans does HFCB offer?
- HFCB offers SME loans in Kenya including working capital loans, invoice financing, asset financing, trade finance and business growth financing — designed to keep businesses moving without tying up your cash flow.