Mortgage
HF Group Home Loan
HF Group
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% - 14% p.a.
Loan Amount
Ksh 1,000,000 - Ksh 80,000,000
Approval Time
14-21 business days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Kenya's top housing finance specialist
- Low 1% processing fee
- Low minimum income (KES 50k)
- KMRC affordable housing option
- Land purchase financing available
- Developer partnerships for off-plan deals
Cons
- Smaller balance sheet than tier-1 banks
- Requires 10% deposit in most cases
- Limited non-mortgage banking services
- Stock price volatility affects brand perception
Customer Reviews
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Product Details
Features
- Kenya's oldest housing finance specialist (since 1965)
- Low minimum loan of KES 1 million
- Repayment period up to 25 years
- Home purchase, construction, renovation, and land purchase
- KMRC-backed affordable housing at concessionary rates
- Mortgage top-up and equity release available
- Developer partnerships for off-plan purchases
- In-house property valuation expertise
- Joint mortgage and cooperative housing loans
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 50,000/month
Employment: Employed, Self-employed, Business owners
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 6 months payslips
- Last 6 months bank statements
- Employment confirmation letter
- Audited accounts (if self-employed)
- Property valuation report
- Title deed
- Sale agreement
- Proof of deposit (10% minimum)
Repayment Options
Standing orderCheck-offM-PesaDirect debitBranch payment
Ready to Apply?
Get started with HF Group Home Loan today. Fast approval and competitive rates.
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