Curbvista Group

If you’ve lived in Kenya long enough or even if you’ve been watching from abroad you know one truth: land never gets cheaper.

Our parents used to talk about how land in Syokimau, Kitengela, Juja or Ruiru was going for “just a few hundred thousand” in the 90s and early 2000s. Today, those same plots are worth millions and every so often, we hear someone say, “If only I had bought back then…”

Fast forward to now. Prices are rising again. Construction materials are more expensive. Labour costs are rising and once again, many people are hesitating, thinking, “Let me wait until the economy cools down.”

But here’s the thing waiting has never made land cheaper in Kenya. If anything, it’s the waiting that costs the most.

The Silver Lining in Rising Costs

Let’s flip the script for a moment. Instead of seeing higher land and construction prices as a problem, what if we viewed them as a signal?

A signal that the market is alive.
A signal that your investment will appreciate.
A signal that if you act now, you’re locking in a future worth far more than your entry point today.

And this time, you don’t have to struggle alone.

Through the Kenya Mortgage Refinance Company (KMRC) Mortgage Plan, in partnership with Co-op Bank and CurbVista, the dream of owning property in Kenya is no longer reserved for the super rich or those with a suitcase of cash. It’s accessible, structured and transparent.

Here’s how the plan breaks it down:

✔️ Only 10% deposit required – no need to spend years saving before you start.
✔️ Up to 25 years repayment – spread your payments in a way that fits your lifestyle.
✔️ KES 10.5M mortgage limit – more than enough to buy into premium gated communities or build a custom home.
✔️ 9.5% fixed interest rate – predictable, stable and shielded from market volatility.

This isn’t just another loan,It’s a strategy;a roadmap to secure your asset and secure your future.

Why Mortgages Aren’t the Enemy

Let’s be honest. In Kenya, the word 'mortgage' is often met with fear or skepticism.
People say things like:

“I don’t want to be tied down for 20 years.”
“What if I can’t pay? The bank will take my house.”
“It’s better to build slowly, pole pole.”: (Don't get us wrong)building pole pole works for some and there’s nothing wrong with that approach. But for those who want to own their home sooner or tap into fast rising property values, a mortgage provides a clear, structured path.

And while those concerns are valid, here’s the truth: a mortgage isn’t your enemy,it’s your bridge.

It’s a financial tool designed to help you access a home or property that might otherwise take decades to achieve. Instead of waiting until you’ve saved the full amount, a mortgage allows you to secure your asset today and spread the cost over time in a structured, predictable way.

It’s not about being locked down,it’s about unlocking opportunities. A mortgage gives you the keys to your property today while your asset continues to grow in value for years to come.

Diaspora Kenyans: Your Moment Has Come

Every Kenyan abroad has the same tug at the heart. You’re hustling in London, Boston, Dubai, Johannesburg, Doha or Sydney. You work hard, send money back home and dream of building something tangible;a home, an investment, a legacy.

But the reality? Sometimes the money disappears. Sometimes projects stall. Sometimes you come home to a half-built shell that doesn’t match your vision. That pain has stopped many from trying again.

This mortgage plan changes that.

No middlemen. No “stories.” No disappearing funds. Instead, you work directly with Co-op Bank, KMRC and CurbVista to secure property transparently. You get documented proof, clear repayment structures and professional handling from start to finish.

Imagine this: instead of sending money and hoping, you get up to KES 10.5M mortgage at 9.5% fixed, knowing every shilling is building your dream. You can monitor progress, stay in control and rest easy knowing your investment is solid.

Choices That Fit Every Dream

The beauty of this plan? Flexibility. It doesn’t box you into one option. You decide how you want your dream to take shape:

🏡 Buy into Kenya’s premium gated projects like Tilisi, Tatu City, Royal Vistaa and more communities with security, modern infrastructure and ready to live houses. Perfect for families, returnees or rental investors.

🔨 Build your own home:buy your preferred plot, design the house you’ve always imagined and watch it come alive without financial strain.

💼 Secure an investment:even if you don’t plan to live in it now, your property is appreciating every single year. In 10, 15, or 20 years, you’ll look back with pride at the decision you made today.

Why Acting Now Matters

Let’s pause and think:

Land in Kitengela that cost KES 500k in 2010 is now selling at over KES 4M.
Apartments in Kilimani that sold for KES 6M in 2015 are now listed at KES 12M+.
Even peri-urban areas like Isinya or Ngong have doubled and tripled in value.

The lesson? Those who acted are smiling. Those who waited are wishing.

And with construction costs going up, homes built today will be worth even more tomorrow because replicating them will cost significantly higher.

In short: buying now is cheaper than building later.

CurbVista: Your Partner on the Ground

At CurbVista, we understand that buying or building a home isn’t just a transaction,it’s a journey. That’s why we don’t leave you to figure it out alone. We:

Help you identify the right property or project.
Walk with you through every step of the mortgage process.
Ensure your documents, titles and contracts are legitimate.
Connect you with developers of Kenya’s most sought after gated projects.
Provide peace of mind whether you’re in Kenya or thousands of miles away.

When we say we walk with you, we mean it. From the first phone call to the day you hold your keys, we are on your side.

The Bottom Line

Yes,land is rising. Yes,construction costs are up but no,that’s not bad news. It’s proof that Kenya’s property market is alive, thriving and rewarding those who act decisively.

This is your moment to:
✅ Lock in a mortgage at 9.5% fixed.
✅ Invest with just 10% deposit.
✅ Spread payments for up to 25 years.
✅ Own property worth up to KES 10.5M.
✅ Be part of Kenya’s most sought after developments or build your own dream home.

Your home. Your investment. Your future.

📲 Talk to CurbVista Group today: 0731 700131/0110753347
Secure your asset. Secure your future.

✨ Pro tip: You’ll never regret buying property. But you might regret waiting.