When buying a home, it is natural to think about the life you are living today. You may be looking for an extra bedroom because you have young children. You may want a spacious compound because your family enjoys spending time outdoors. You may need a home office because you work remotely. Or perhaps you simply want a comfortable place where your family can settle down. But there is another question...
When searching for gated community homes in Kenya, buyers often begin with the number of bedrooms, the size of the house, the finishes and the asking price. These are important considerations, but they do not tell the whole story. A home can have beautiful interiors and still feel inconvenient once everyday life begins. Sometimes, the difference is found outside the house—in the compound. The...
The share of commercial banks in Kenya expecting non-performing loans (NPLs) in the real estate sector to rise over the coming quarter nearly doubled in the second quarter of 2026—climbing to 27% in June from 14% in March. The sharp shift, detailed in the Central Bank of Kenya’s (CBK) latest Credit Officer Survey Report, highlights growing caution among credit risk teams despite broader improvements...
When two homes in your target market carry the exact same asking price, they can easily appear virtually interchangeable—a classic example of real estate decision paralysis. Yet six months after closing, one buyer is thriving with low utility bills and steady equity growth, while another is grappling with an unexpected $18,000 roof replacement and a bloated property tax bill. When two properties...
Comfortable housing affordability on a Kenyan salary is governed by the Central Bank of Kenya's (CBK) 1/3rd Debt-to-Income (DTI) rule, which restricts monthly mortgage repayments to a maximum of 33.3% of your net monthly income. At current commercial mortgage rates averaging 13.5% p.a. over a 20-year tenure, your maximum home purchase price is approximately 2.5 to 3.0 times your annual gross salary...
Buying a home is one of the most significant financial and emotional investments you will ever make. Whether you are searching for an ideal family home or looking for a secure real estate investment, walking through a house during a property viewing is more than just admiring the design and layout—it’s your opportunity to evaluate the build quality and structural integrity. At Willstone Homes, we...
Kenya's long-running debate over building safety has returned to Parliament, with MPs putting the National Construction Authority (NCA) on the spot over building collapses, enforcement against contractors and the effectiveness of construction oversight. The latest parliamentary scrutiny does not come as a surprise to those who have followed Kenya's building-safety concerns over the years. Building...
Co-op Bank is offering young Kenyans an opportunity to finance up to 100 per cent of the cost of a residential property through a mortgage facility of up to Ksh10.5 million. The facility, offered under the Kenya Mortgage Refinance Company (KMRC) mortgage solution, has an interest rate of 9.5 per cent and a repayment period of up to 25 years for salaried borrowers. Evan Mwangi, Acting Head of Retail...
In a landmark decision for Kenya's real estate sector, the Tax Appeals Tribunal (TAT) barred the Kenya Revenue Authority (KRA) from levying Income Tax and Value-Added Tax (VAT) on property service charges collected by management companies and Homeowners’ Associations (HOAs). The case—stemming from a Sh119.8 million back-tax demand against Nextgen Mall Management Company on Mombasa Road—sets a...
Kenya’s real estate sector continues to serve as a vital pillar of national economic development, contributing approximately 8.1% to Gross Domestic Product (GDP)—and expanding past 15.0% when combined with building and construction activities. Despite ongoing macroeconomic hurdles, the sector demonstrated operational strength in the first half of 2026. According to the latest Cytonn H1'2026 REITs...
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