FAQ
Questions buyers actually ask us.
Straight answers on buying, off plan, financing and title.
Buying a home
What deposit do I need to buy an apartment in Kenya?
It depends on how you are buying. On a bank mortgage, most Kenyan lenders expect a deposit of 10% to 20% of the purchase price, though some go higher for off-plan purchases. On a developer payment plan, the initial deposit is commonly 10% to 30%, with the balance spread across construction milestones.
Budget beyond the deposit as well. Legal fees, stamp duty, valuation and registration costs typically add several percent to the total.
What costs do buyers usually forget to budget for?
Stamp duty (4% of the value in urban areas, 2% in rural areas), advocate's fees, valuation fees, bank arrangement and insurance costs on a mortgage, land rent and rates clearance, and registration fees.
For apartments, also budget for the service charge from the month you take possession, and for a deposit on water and power meters.
Buying off plan
Is buying off plan safe?
It can be, and it is often how you get the best price and the most flexible payment terms. But the risk is real: you are paying for something that does not exist yet.
What reduces that risk is the developer, not the brochure. Look at completed projects you can physically visit, confirm the approvals and title are in place, check that payments are tied to construction milestones rather than dates, and have your advocate review the sale agreement before you sign anything.
We check these things before we agree to market a development. We will show you what we found.
What happens if an off-plan development is delayed?
Delays are common. What matters is what your sale agreement says about them — whether there is a longstop date, what compensation applies, and what your exit options are.
Read that clause carefully before signing, and ask us to explain anything that is not clear. A developer unwilling to commit to any longstop date at all is telling you something.
Financing and mortgages
Can I get a mortgage as a diaspora buyer?
Yes. Several Kenyan banks offer diaspora mortgage products, though terms, deposit requirements and documentation differ from local lending. You will generally need proof of income in your country of residence, KRA PIN, and Kenyan identification.
We can point you to lenders active in this space, but we are not financial advisers — take independent advice on the structure that suits you.
Is a developer payment plan cheaper than a mortgage?
Not necessarily, and the comparison is rarely like-for-like. A payment plan usually has no interest stated but a higher headline price; a mortgage has a lower price but interest over the term.
Work out the total you will pay under each, including all fees, over the same period. We will help you lay it out. Sometimes the plan wins, sometimes it does not.
Legal and title
Freehold or leasehold — does it matter?
It matters, but leasehold is not a problem in itself. Most of Nairobi is leasehold, typically on 99-year terms, and apartments are usually sold as sectional titles over a leasehold parent.
What you should check is how many years remain on the lease and what the renewal position is. A short unexpired term affects both value and your ability to mortgage.
What is a sectional title and why does it matter for apartments?
The Sectional Properties Act allows individual apartments to be titled separately, rather than buyers holding shares in a management company. It gives you a title deed for your specific unit.
Ask whether the development is being registered under sectional titles and what the timeline is. It affects how easily you can sell or mortgage the unit later.
General
Do you charge buyers a fee?
No. On the developments we market, we are paid a commission by the developer. You pay the same price whether you come through us or approach the developer directly.
We tell you this upfront because you should always know how an agent is paid before you weigh their advice.
Which areas do you cover?
We focus where we genuinely know the market: Syokimau and Mlolongo along Mombasa Road; Nairobi West, South B and South C; and the Thika Road corridor through Ruiru and Juja.
If you are looking somewhere we do not cover well, we will say so rather than pretend otherwise.