(Left to right) NCBA Group Director, Retail Banking, Tirus Mwithiga and Fanaka Real Estate , CEO Moses Muriithi shake hands as they exchange signed mortgage deal partnership documents at Fanaka Real Estate’s Ruiru branch.

 NCBA has partnered with Fanaka Real Estate to provide options such as land purchase, construction financing, buy and build loans, with facilities of up to 100% for potential home owners. Through this  partnership, the bank will provide mortgage loans to salaried and non-salaried customers of Fanaka Real Estate. Salaried buyers will enjoy payment terms up to retirement age, while non-salaried customers will have terms up to the age of sixty five.

In addition, the bank will also make available  the ‘buy and build’  financing option of up to 100%. This facility enables customers to buy a piece of land and construct it simultaneously. For customers who already own a piece of land, the bank’s   construction solution will go a long way in actualising their dreams.


Commenting on the partnership, NCBA’s Group Retail Director, Tirus Mwithiga noted :  “Owning property is more than just a transaction; it’s the cornerstone of stability, security, and prosperity. At NCBA, we are dedicated to making this dream a reality for our customers. Through our strategic partnership with Fanaka Real Estate, we are not just providing loans; we are unlocking doors to homeownership with innovative financing solutions tailored to the diverse needs of our customers.”

During the launch of the partnership, Fanaka Real Estate CEO Moses Muriithi said :  “At Fanaka Real Estate, we believe that accessible home ownership is the right of every citizen. We are committed to making land ownership in the dormitory counties of Machakos, Kiambu  and Kajiado as affordable as possible for everyone.” He added : “ Fanaka Real Estate’s ability to offer aspiring homeowners innovative mortgage products from NCBA underscores our commitment to providing homes for all income groups.”


Last year, NCBA rolled out a home acquisition initiative that enables Kenyans to own homes at an affordable fixed rate of 9.5%. The property loan covers both land purchase and simultaneous construction, construction on owned land as well as   direct purchase of houses  and  apartments meant for owner occupation. The bank has partnered with key players such as Fanaka Real Estate to support  customers with a common goal of revolutionising the real estate landscape by enhancing affordable housing for all. In addition, the bank  provides a host of property financing options for customers such as: property purchase, plot purchase loans, construction loans, easy-build, equity release solutions, mortgage transfer (buy-out)  as well as  mortgage top-up loans.



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