First-Time Home Buyer in Kenya: A Step-by-Step Guide

Step 1 to 3: budget, deposit and pre-approval

Start from what you can repay monthly, not from listing prices. A sustainable mortgage repayment sits comfortably below a third of net household income once school fees, transport and existing loans are counted.

Most Kenyan lenders expect a deposit of 10% to 20% of the purchase price, and you also need the closing costs — roughly 6–9% — in cash. Get written pre-approval before you view: it tells you your real ceiling and makes your offer credible to sellers.

• Target a deposit of 10–20% plus 6–9% closing costs.
• Compare at least three lenders on rate, term and fees.
• Clean up credit obligations before applying.

Step 4 to 6: shortlist, offer and search

View in daylight and again in the evening, and visit during rush hour so the commute is honest. Check water supply, backup power, road access in the rains, security arrangements and the state of the common areas.

When you offer, put it in writing with conditions: subject to a satisfactory land search, valuation and structural condition. Then instruct your own advocate — not the seller's — to run the official search and confirm ownership, encumbrances and rates status.

Step 7 to 9: agreement, transfer and handover

The sale agreement should record the price, deposit, completion date, what fittings are included, service charge apportionment and remedies if either side defaults. Deposits go to the advocate's client account.

After completion, stamp duty is assessed and paid, transfer documents are lodged and the title is registered in your name. At handover, collect the keys alongside rates and service charge clearance, meter readings, warranties and the management company contacts.

• Use an independent advocate throughout.
• Never pay deposits to personal or mobile money accounts.
• Verify the agent is registered with the Estate Agents Registration Board.
• Keep every receipt — you will need them for tax and resale.

Frequently asked questions

How much deposit do I need to buy a house in Kenya?

Most lenders require 10% to 20% of the purchase price as a deposit, and you should budget a further 6–9% in cash for stamp duty, legal fees, valuation and registration.

How long does it take to buy a house in Kenya?

A straightforward cash purchase usually completes in 6 to 10 weeks. A mortgage-financed purchase commonly takes 3 to 4 months from offer to registration, depending on lender and registry turnaround.

Do I need an advocate to buy a house in Kenya?

Yes. An independent advocate runs the official land search, drafts or reviews the sale agreement, handles the deposit in a client account and lodges the transfer for registration.