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If you are looking to buy an apartment in Kenya, you have probably wondered what legal document you get as proof of ownership. You might have also come across the term “Sectional Title”, but what does it really mean? How does it affect your rights as a property owner?

A Sectional Title is a form of property ownership where individual units like, apartments or townhouses, are owned privately, while shared spaces such as lifts, parking areas, corridors, staircases and gardens are owned collectively by all the unit owners.

In Kenya, this type of ownership is governed by the Sectional Properties Act, 2020 which aims to streamline property ownership, especially in multi-dwelling buildings.

How Sectional Titles Work in Kenya

Under the Sectional Property Act, a building or complex can be subdivided into sections that can be independently owned. Each unit owner receives a title deed for their section and becomes a member of the management corporation that oversees shared property.

Here’s what you own:

• Your individual unit or apartment
• A proportional share of the common areas

Examples of Sectional Title Properties in Kenya:

• Mixed-use developments (Commercial and residential units)
• Apartment buildings
• Townhouse complexes in gated communities

Benefits of Sectional Title Ownership in Kenya

1. Individual Title Deed

Each unit has its own legal title, registered with the Ministry of Lands. This allows you to sell, lease, or even use the unit as collateral.

2. Shared Maintenance Costs

You only pay the maintenance fees, typically called service charges, based on the size of the unit.

3. Democratic Decision Making

Owners form a management committee or body corporate that makes key decisions regarding the property, giving you a say in how the building is run.

4. Secure Investment

With a registered title, your property rights are legally protected, and the asset can appreciate in value. This is ideal for real estate investors in Kenya.

Responsibilities of Sectional Title Owners

With ownership comes responsibility. As a sectional title owner, you are expected to:

• Pay monthly service charges
• Comply with the rules set by the management
• Attend annual general meetings
• Participate in the maintenance of shared areas.

Why Sectional Title is Popular in Kenya

The growing urban population and demand for affordable housing have made apartment living more popular in cities like Nairobi and Mombasa. Developers are now building more sectional title apartments because:

• They offer affordability
• They come with proper legal documentation
• They appeal to first-time homebuyers and young professionals.
• They are easier to finance through mortgages
• They come with proper legal documentation

 Conclusion: Is Sectional Title Right for You?

If you are considering buying property in Kenya, especially in urban areas, sectional title is a flexible, cost-effective, and secure form of ownership. It provides the independence of owning your own space with the benefits of shared services and community living.

Whether you are a first-time homebuyer, an investor, or simply looking for an apartment with proper documentation, sectional titles offer a solid legal foundation and peace of mind.

For many Kenyans, owning a home is a major milestone; a dream rooted deeply in our cultural and financial aspirations. However, the cost of buying property outright can be overwhelming. This is where mortgages come in. A mortgage offers a structured way to finance homeownership over time. How exactly does it work, and what should you consider before taking one? This beginner’s guide to mortgages in Kenya breaks it all down for you.

What is a Mortgage?

A mortgage is a loan provided by a financial institution (usually a mortgage lender or a bank) to help you buy a home or property. The lender pays for the property upfront, and you repay the amount over a specified period with added interest.

In Kenya, mortgages are secured loans, meaning the property you are buying serves as collateral. If you fail to repay the loan, the bank can repossess and sell the property to recover its money.

Types of Mortgages in Kenya

Kenyan financial institutions offer different types of mortgage products depending on your needs:

1. Owner-Occupier Mortgages

These are for individuals buying a home to live in. Most banks offer flexible repayment periods (up to 25 years), subject to your age and income.

2. Investment Mortgages

Ideal for those buying property to rent out. The expected rental income may influence your loan approval and repayment terms.

3. Equity Release Mortgages

If you already own a property, this option allows you to borrow against its value. It is ideal for renovations, expansion, or other needs.

4. Construction Mortgages

For buyers intending to build rather than buy a ready house. Funds are disbursed in stages as construction progresses.

Mortgage Providers in Kenya

Several institutions offer mortgage services in Kenya, including:

• Kenya Commercial Bank (KCB)
• Co-operative Bank of Kenya
• Absa Bank Kenya
• Stanbic Bank
• NCBA Bank
• HF Group
• Kenya Mortgage Refinance Company (KMRC) - supports lenders with lower-interest long-term financing.

Always compare offers from different institutions, especially interest rates, fees, and terms.

Key Mortgage Terms You Should Know

Understanding the language of mortgages can save you from future surprises. Here are common terms:

• Principal: The original loan amount borrowed.
• Interest: The cost of borrowing the money, usually expressed as an annual percentage rate (APR).
• Down Payment: A percentage of the property price you must pay upfront (typically 10% - 20% in Kenya).
• Tenure: The loan repayment period.
• Amortization: The gradual repayment of the loan through monthly installments that cover both interest and principal.

Steps to Getting a Mortgage in Kenya

1.  Check Your Eligibility

Most banks consider your income, credit history, age, and existing debt levels. You must have a regular source of income (employment or business).

2.  Save for a Deposit

You’ll need at least 10%–20% of the property value. The higher your deposit, the lower your mortgage burden.

3. Get Pre-Approval

A pre-approval helps you know how much a bank can lend you based on your financial status. It also gives you stronger bargaining power with sellers.

4. Choose the Right Property

The property must meet the lender’s valuation standards. Many banks require the property to be free of legal issues and situated in an approved location.

5. Submit Your Application

Prepare documents such as:

• National ID or passport
• KRA PIN
• Bank statements (6–12 months)
• Payslips/business financials
• Property documents (e.g., title deed, sale agreement)

6. Loan Appraisal & Approval

The bank assesses your documents and the property. Once satisfied, they issue an offer letter outlining loan terms.

7. Sign the Offer & Begin Repayment

After signing, the bank processes payment to the seller and you begin making monthly repayments.

How Much Can You Borrow?

Most lenders in Kenya will allow you to borrow up to 90% of the property's value, depending on your income and risk profile. However, the total mortgage repayment should not exceed 40% of your monthly income.

Use a mortgage calculator (available on most bank websites) to estimate how much you can afford.

What Are the Mortgage Interest Rates in Kenya?

Mortgage rates vary depending on the lender, market conditions, and whether the rate is:

• Fixed: Same rate throughout the loan term
• Variable: Fluctuates based on market rates (e.g., CBK base rate)

As of 2025, mortgage rates in Kenya range between 9% and 13% per annum.

Tips Before Taking a Mortgage

• Understand all costs: Include legal fees, valuation fees, stamp duty (4% in urban areas), and insurance.
• Shop around: Compare rates and terms from different banks.
• Have a long-term plan: Make sure you can sustain payments even during hard times.
• Maintain good credit: Lenders prefer borrowers with a clean credit history.

Pros and Cons of Mortgages in Kenya

Pros:

• Allows you to own a home without paying the full amount upfront
• Flexible repayment periods
• Builds property equity over time

Cons:

• Long-term financial commitment
• Interest can nearly double the cost of the property over time.
• Risk of losing the property if you default

Conclusion

Buying a home is a significant step, and taking a mortgage can be the bridge to achieving this goal. With the right knowledge, planning, and discipline, a mortgage can turn your dream of homeownership into a reality.

Whether you're buying your first home in Nairobi, building in Kitengela, or investing in Mombasa, understanding how mortgages in Kenya work puts you on the right path.

Are you trying to decide whether to buy or rent an apartment in Nairobi? With the city’s fast-changing real estate landscape, choosing where and how to live is one of the most important decisions you will make.

In 2025, Nairobi offers a wide range of housing options, from modern one-bedroom apartments in the city center to luxurious three-bedroom units with DSQs in secure gated communities. However, as property prices rise and rental demand soars, the question remains: should you buy or continue renting?

Let’s explore your options and why buying an apartment in Nairobi might be the smarter move.

Why Buying an Apartment in Nairobi Makes Sense

1. Property Ownership = Stability and security

Buying a home gives you something no rental can, a sense of security and ownership. You can renovate, expand, and design your space exactly how you want. With full rights over your property, you are not answering to a landlord or worrying about unexpected rent hikes.

Whether it’s a two-bedroom apartment in Kileleshwa, a modern one-bedroom in Kilimani, or a spacious three-bedroom with top-tier amenities in South B, owning means you are in control.

2. Real Estate is a Long-Term Investment

Nairobi continues to be a prime investment hub. Property values in key suburbs like Kilimani, Kileleshwa, Lavington, South C, and Parklands have shown steady growth year after year. Buying an apartment now positions you to benefit from property appreciation, not to mention potential rental income if you choose to lease your unit.

Many Kenyans who bought homes five years ago have already seen 25% growth in value, making real estate one of the smartest ways to build wealth in Nairobi.

3. Apartments in Nairobi Now Come with Premium Amenities

Today’s homebuyers are looking beyond four walls; they want convenience, comfort, and lifestyle. Modern Nairobi apartments come with:

• Rooftop lounges and gyms
• Ensuite bedrooms
• High-speed lifts
• Swimming pools
• Borehole water supply
• Backup generators
• Ample parking
• CCTV 24/7 security

These are not just luxuries; they are selling points, and they greatly improve your quality of life while increasing your property’s value.

4. Better Financial Planning

Buying may seem expensive upfront, but over time, it is more cost-effective. Instead of spending Ksh 70,000+ per month on rent for a two-bedroom, you could be putting that money into monthly mortgage payments for a home you own.

With flexible off-plan payment plans now available, you can buy with as little as 30% deposit and spread the rest across construction milestones or up to 10 years. That is affordable, strategic, and future-focused.

The Case for Renting in Nairobi

Renting still offers advantages to some people, especially if:

• You are in Nairobi for short-term work
• You are not ready for a long-term commitment
• You want flexibility to move frequently

However, renting does not build equity. Every shilling spent on rent goes to your landlord,  not into your future. With rents rising across key areas in Nairobi, the cost of leasing quality space continues to climb.

Looking to buy an apartment in Kenya? Discover the key factors to consider when choosing the right location. From security and infrastructure to investment potential and lifestyle fit.

 In real estate, location is not just important; it is everything. Choosing the right location for your apartment in Kenya determines not only your comfort and lifestyle, but also the property’s long-term value, rental potential, and future resale prospects.

At AYA Real Estate, we help buyers think beyond buildings. Here’s how to make a smart, holistic decision when choosing where to buy your apartment.

1. Define Your Lifestyle and Priorities

Start by asking:

• Do I want a quiet neighborhood or an urban centre?
• Is proximity to work, school or public transport, markets, and hospitals essential?
• Do I want family-friendly amenities nearby? (parks, schools, hospitals)

2.  Consider the Neighborhood Community

Your neighbors shape your experience. Ask yourself:

• What kind of people live here?
• Are the residents mostly renters or homeowners?
• Is there a sense of order and community pride?

A well-maintained neighborhood often signals shared values and better security.

3. Think About Investment Potential

Even if you are buying to live, think like an investor:

• Is the area growing? Are prices rising?
• What is the rental yield in that area?
• Are developers still investing there?

Hotspots like Westlands, Kilimani,  Kileleshwa, Lavington, and Riverside are seeing fast growth and solid returns.

4. Evaluate Infrastructure and Accessibility

The best location is one that is connected. Check for:

• Paved access roads and proximity to major highways (Like Uhuru Highway, Nairobi expressway and Bypasses).
• Access to reliable public transport and availability of online cabs.
• Future infrastructure plans

5. Prioritize Safety and Security

Security is non-negotiable. Consider:

• Crime rates in the area
• Street lighting, the presence of police stations, or community policing
• Gated communities and estate security measures

Neighborhoods like Kileleshwa, Lavington, and South B have strong reputations for safety and managed developments.

6. Visit at Different Times of Day

A neighborhood may feel peaceful at 10 AM but loud and chaotic at 6 PM. Before buying:

• Visit in the morning, afternoon, and evening
• Check weekend traffic vs weekday traffic
• Notice noise levels, traffic congestion, and nightlife

This helps you assess daily reality and not just the listing photo.

7. Check Utilities and Service Reliability

A location might look ideal, but can it sustain your daily needs? Ask:

• Is water consistent, or do most residents rely on boreholes and tankers?
• Is power stable? Are there frequent outages?
• How is the internet connectivity and garbage collection?

Some locations suffer frequent water rationing or slow waste management, factors that affect long-term livability.

8. Consult a Local Real Estate Expert

You do not have to figure it out alone. At AYA Real Estate, we:

• Offer insider thoughts on upcoming neighborhoods
• Know the developers' reputation in each area
• Match your lifestyle with the right location fit

Whether you're looking in Westlands, Lavington, Kileleshwa, or  Kilimani, we’ll guide you to the right spot.

Conclusion

The right apartment is more than just walls; it is where your life unfolds. Choosing right means balancing lifestyle, access, safety, and value. When in doubt, choose a place that aligns with your long-term vision, not just today’s price.

Still unsure about the right location?
Let AYA Real Estate help you compare neighborhoods, view listings, and guide you home.