For many Kenyans, the dream of owning a home can feel so distant, something pushed for “later,” when the finances align, if they ever align for that matter. 

Yet every month, your rent payments chip away at hard-earned income without building equity or offering you long-term security.

But what if there was a smarter way? 

A solution designed specifically for people like you, who are aspiring homeowners ready to break free from renting and start investing in their future?

Well, NCBA Bank’s Affordable Housing Programme (NCBA AHP) is turning this dream into reality for thousands of Kenyans.

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Renting Vs Owning

Let’s face it, rent is expensive in most urban centres across Kenya, and the increase never ends. 

The average rent for a two-bedroom apartment in Nairobi ranges between Sh25,000 and Sh45,000 monthly. 

Spread over five years, that’s more than Sh1.5 million you have paid to a landlord, with zero ownership of the house in return.

Homeownership, on the other hand, is an investment given with every monthly payment you make, you are building equity and securing a place to call your own. 

Owning your home is the first step toward financial independence, family security, and generational wealth, and that’s where NCBA comes in.

The bank has come up with a practical, empowering way to empower you to transition from being an eternal tenant to a titleholder.

What’s NCBA AHP? 

NCBA’s Affordable Housing Programme is a flexible mortgage solution tailored for middle- and lower-middle-income earners who are looking to purchase a home in Kenya’s growing affordable housing market.

The programme, which was unveiled to support the government’s Affordable Housing Agenda, allows you to buy a home in key locations like Nairobi, Kiambu, Machakos, Mombasa, and Nakuru with monthly repayments as low as your current rent.

It’s a custom-made solution, built around your income, your lifestyle, and your future goals.

Unique Solution

Here are the key reasons why Bank’s offering is the go-to solution for aspiring homeowners:

1. Low Entry Point

With property prices starting from Sh1.5 million, you can own a one, two, or three-bedroom unit in strategic locations like Ngara, Ruaka, Ruiru, Mavoko, and Athi River.

Many of these homes are part of government-approved affordable housing projects, which assures you of quality construction, secure tenure, and excellent connectivity.

2. 100 per cent Financing Available

You don’t have the full deposit for the house? Don’t worry! 

NCBA Bank offers you up to 100 per cent financing, depending on your eligibility. 

In effect, this means that you can move in without paying any deposit upfront, by just presenting proof of income and basic documentation.

3. Flexible Terms Up to 25 Years

The terms allow you to spread your mortgage repayments over a period of up to 25 years, which enables you to reduce your monthly payments. 

The longer term means you pay amounts equivalent to, or even lower than, your current rent.

4. Competitive Interest Rates

NCBA Bank provides you with some of the most competitive mortgage rates in the market, which are tailored to make homeownership accessible to most Kenyans. 

Rates are often lower for properties under the government’s affordable housing scheme.

5. Convenience and Speed

Through its dedicated home loans team, NCBA Bank offers you end-to-end support, from property search, documentation assistance, valuation, legal processes, and final disbursement to see to it that your process of owning a home is seamless.

Real Impact

For example, if you are renting a two-bedroom apartment in Ruaka for Sh35,000 per month for close to five years, through NCBA’s AHP you can get a Sh3.2 million mortgage for a new unit in Athi River.

You will end up paying Sh30,000 a month for your mortgage, which is less than the rent you pay in Ruaka, and in a few years, this home will be yours for keeps. Now that’s freedom!

More Than a Mortgage

NCBA’s Affordable Housing Programme is not just about buying a house, it’s about dignity, stability, and taking control over your life and future and guarantees you of:

 ▪ No more rent hikes

 ▪ No more eviction anxiety

 ▪ No more throwing money away

Instead, you secure permanent shelter, financial stability, and a foundation for your family’s future.

On the other hand, for entrepreneurs and businesspeople, owning a home effectively opens the door to asset-backed financing, according you the collateral to grow your next venture.

How to Get Started

Here’s how you can take your first easy steps to home ownership today:

 1. Visit your nearest NCBA Branch or the bank’s website.

 2. Submit your ID, KRA PIN, payslips or proof of income, and bank statements.

 3. Select your preferred property from a list of vetted developers.

 4. Let NCBA guide you through the legal and documentation process.

 5. Get approved and receive your keys.

Whether you are a salaried employee, self-employed, living and working in the diaspora, or just starting your career, NCBA Bank has just the right package that suits your journey.

The right time to stop renting is right now and with NCBA Bank’s Affordable Housing Programme you just need a plan, a trusted partner, and the will to move from tenant to titleholder.

NCBA Bank is not just financing homes, it is unlocking futures for many.

Are you ready to own yours? Visit here for more information: https://ke.ncbagroup.com/property-finance/