Home Buying Guide

1. Determine Your Budget

Start by assessing your finances. Use our Affordability Calculator to estimate how much you can borrow. Consider your down payment (typically 10–20% in Kenya), monthly income, existing debts, and ongoing costs like maintenance and insurance.

2. Get Pre-Approved for a Mortgage

Visit banks or mortgage brokers to get pre-approved. This shows sellers you're a serious buyer and helps you understand your price range. Compare rates from different lenders—check our Mortgage Rates page for current offerings.

3. Choose Your Location

Consider commute, schools, amenities, and future development. Nairobi neighborhoods like Karen, Westlands, Kilimani, and Runda vary in price and lifestyle. Explore listings on Makazi to compare areas.

4. Search and Shortlist

Use our homes for sale search to find properties that match your criteria. Save favorites and set up alerts for new listings. Schedule viewings with agents for properties you like.

5. Make an Offer

Work with your agent to prepare an offer. Negotiate based on market conditions, property condition, and comparable sales. Include any contingencies (e.g., financing, inspection) in your offer.

6. Due Diligence

Conduct a title search to confirm ownership and check for liens. Consider a home inspection and survey. Engage a lawyer to review the sale agreement.

7. Closing

Complete the transfer at the Land Registry. Pay stamp duty and any other fees. Ensure all documents are signed and registered. Collect your keys and move in!