Few buyers pay entirely in cash. Understanding your financing options early puts you in a stronger position when the right home appears.
Mortgages
Banks offer home loans typically covering up to 90 percent of the value, repaid over 10 to 25 years. Rates and terms vary, so compare offers and factor in valuation and insurance costs.
SACCOs and instalment plans
Savings and credit cooperatives often provide competitive rates to members, while many developments offer flexible, milestone-based instalment plans. Each route suits a different profile.
Get pre-approved before you shop – it clarifies your budget and shows sellers you are serious. We are happy to point you to trusted partners.