Build Using a Salary Loan Mortgage in Kenya

Purchasing land and building a property in Kenya using a salary loan mortgage can be a complex and time-consuming process, but it can also be a rewarding experience that allows you to create a home that meets your specific needs and preferences. It is important to carefully follow the steps below in order to increase your chances of success in this endeavor.

1. Determine your budget.

Determining your budget is an important step in the process of purchasing land and building a property in Kenya using a salary loan mortgage.

To determine your budget, you will need to consider a number of factors, such as your income, existing debts, and living expenses.

It’s important to be realistic about your budget and make sure that you can afford the loan repayments on your salary. If you borrow more than you can afford, you may struggle to make your repayments and could end up defaulting on your loan.

To get a better idea of how much you can borrow and what your monthly repayments will be, you may want to use a mortgage calculator or speak with a lender.

2. Research mortgage options.

There are many different mortgage products available, and it’s important to find one that meets your needs and financial situation.

When researching mortgage options in Kenya, you may want to consider factors such as:

Interest rate: The interest rate on your mortgage will determine how much you will have to pay in addition to the principal (the amount you borrow).

Fees: Some mortgage products may come with fees, such as application fees, origination fees, or closing costs. Be sure to consider these fees when comparing mortgage options.

Repayment terms: Mortgages may have different repayment terms, such as 15 years, 20 years, or 30 years. A longer repayment term will result in lower monthly repayments, but you will end up paying more in interest over the life of the loan.

It’s a good idea to compare offers from different lenders to find the mortgage product that offers the best combination of interest rates, fees, and repayment terms. You may also want to consider speaking with a mortgage broker or financial advisor to get more personalized recommendations.

3. Prepare your documents.

Lenders will require you to provide various documents to support your application, such as:

Proof of income: This may include pay slips, tax returns, or other documents that show your income and employment status.

Credit history: Lenders will run a credit check to evaluate your creditworthiness. You may need to provide information about your credit history, such as any outstanding loans or credit card balances.

Personal identification: You may need to provide proof of your identity, such as a National Identity card, a driver’s license, or a passport.

Property details: If you have already identified a specific piece of land that you wish to purchase, you may need to provide details about the property, such as its location, size, and value.

It’s important to have all of these documents ready before you apply for a mortgage, as this will help the process go more smoothly and increase your chances of being approved.

4. Apply for the mortgage.

Once you have determined your budget, researched mortgage options, and prepared your documents, you can begin the process of applying for a salary loan mortgage to purchase land and build a property in Kenya. Here are some steps you may want to consider:

Fill out an application form: You will need to fill out an application form, either online or in person, to apply for a mortgage. This form will ask for information about your personal details, income, employment, and credit history.

Provide documentation: You will need to provide the lender with the documents that you prepared earlier, such as proof of income, credit history, and personal identification.

Undergo a credit check: The lender will run a credit check to evaluate your creditworthiness and determine whether you are a good candidate for a mortgage.

Wait for a decision: After you have submitted your application and supporting documents, the lender will review your application and make a decision. This process may take several days or weeks.

If your application is approved, the lender will provide you with a mortgage offer, which will outline the terms and conditions of the loan. You will then need to accept the offer and sign the mortgage agreement to proceed.


5.   Purchase the land and begin construction.

Once you have been approved for a salary loan mortgage and have secured financing, you can proceed with browsing the land you will purchase and beginning construction on your property in Kenya. Here are some steps you may want to consider:

Purchase the land: If you have not already done so, you will need to purchase the land that you will be building on.

Begin construction: This may involve hiring contractors, purchasing materials, and obtaining any necessary permits or approvals.

Make mortgage payments: While you are building your property, you will need to begin making mortgage payments according to the terms of your loan agreement. Be sure to make your payments on time to avoid defaulting on your loan.

Complete construction: As you near the end of the construction process, you will need to ensure that all work has been completed to a satisfactory standard and that the property is ready to be occupied.


Obtaining a salary loan mortgage in Kenya requires careful planning and consideration. By following these steps, you can find a mortgage that meets your financial needs.

As you begin your home-building journey, be sure to browse land listings on our website to find the perfect piece of property for your new home. Our website features a wide variety of land listings in various locations throughout Kenya, making it easy for you to find the perfect plot of land to build your dream home.

Best of luck on your home-building journey!

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