Resources

Smart Property Guide

Practical tips, step-by-step guides, and expert advice to help you make informed property decisions in Kenya.

Your Journey

Step-by-Step Buying Guide

Follow these four essential steps to navigate the property market with confidence.

Step 1
Assess Your Budget

Use our mortgage calculator to understand what you can afford. Financial advisors recommend spending no more than 28% of gross income on housing.

Step 2
Choose Your Area

Consider commute times, schools, security, and lifestyle. Browse our neighborhood guides to find your perfect fit.

Step 3
Visit Properties

Nothing beats seeing a property in person. Book viewings through our platform — our verified agents will show you the best options in your chosen area.

Step 4
Close the Deal

Once you've found your match, our team handles paperwork, legal verification, and secure payment processing. Zero hidden fees, 100% transparent.

Resources

Helpful Resources

Everything you need to know before making your property decision.

Renting vs Buying
  • Renting: Lower upfront cost, flexibility to move, no maintenance worries
  • Buying: Build equity, stable payments, freedom to customize your home
  • Rule of thumb: If you plan to stay 5+ years, buying usually wins
Moving Checklist
  • Notify landlord 30 days before
  • Transfer utilities (KPLC, Nairobi Water)
  • Update address with bank & employer
  • Arrange moving company quotes early
  • Photograph property condition before handover
First-Time Buyer Tips
  • Get pre-approved for a mortgage first
  • Factor in stamp duty (4%) and legal fees
  • Always get an independent property valuation
  • Check land rates and title deed status
  • Visit the property at different times of day
Financial Tips

Understanding Property Costs

Know the hidden costs of buying property in Kenya so there are no surprises.

Mortgage & Financing

Most Kenyan banks offer mortgages at 12–14% interest. Get pre-approved to know your budget. Compare rates from multiple lenders — even a 1% difference saves millions over 20 years. Our calculator helps you compare.

Stamp Duty & Taxes

Stamp duty is 4% of property value in urban areas and 2% in rural areas. Factor this into your budget early. Capital gains tax of 15% applies on resale. Budget an additional 1-2% for incidental costs.

Legal & Conveyancing Fees

Always hire a qualified conveyancer. Legal fees typically range from 1-3% of the property value. They handle title search, due diligence, and contract review — this investment protects you from costly disputes.

Ready to Find Your Dream Property?

Browse our listings or calculate your mortgage to get started today.

Browse Properties Mortgage Calculator