Housing Finance is the leading mortgage finance institution in Kenya.

For over forty years, Housing Finance has been “turning dreams into homes” for thousands of Kenyan families and housing developers. Mainly by providing easy access to mortgage finance and by enabling our clients to save money as they build, buy and own their homes.

Housing Finance was incorporated on 8th November 1965 as per the Banking Act, under the name the Housing Finance Company of Kenya. Our founding shareholders are the Commonwealth Development Corporation (CDC) and the Kenyan Government. In 1992, Housing Finance Company of Kenya offered part of its equity to the public and became a quoted company on the Nairobi Stock Exchange. Since then, shareholding of the company has changed partly through a share issue on 26th February 1999 when 30 million government shares were put on offer to the public and on 11th July 2007 when the CDC Group agreed to sell all its shares to Equity Bank Limited and British American Investments Company (Kenya) Limited (BAICL). The shareholding stood at 7.32% Government, 20.0% Equity Bank Ltd, 4.9% BAICL, 7.87% NSSF and 59.91% to the public.

The company then undertook a Rights Issue in June 2008 where the firm was seeking to raise Kshs. 2.3 Billion through issuance of an additional 115 million shares. The shareholding then changed to 3.7 % Government, 24.9 % Equity Bank Ltd, 17.25% BAICL, 6.83 % NSSF and 60.8 % to the public in which it currently stands.
The rights issue was declared a success with a 3% over-subscription. The money would be used to recapitalize the Company`s Property Financing and Development business.

Today the current shareholding stands at 3.66% Government, 24.85% Equity Bank Ltd, 12.37% Equity Nominees Ltd, 8.86% BAICL, 6.82% NSSF and 43.44 % to the public.

Perhaps however, the most significant change took place on 6th March 2002 when the company re-branded. Out of Housing Finance Company of Kenya was born the vibrant and aptly named Housing Finance. A company built on the strength of the old yet; clearly focused on availing new housing opportunities to homeowners, and meeting the growing housing challenges of today.

For example in our first year of operation of 1966, we provided a total of 34 loans of maximum Ksh. 100,000 each. Today, Housing Finance serves over 40,000 customers with deposits of Ksh. 8.4billion.

This is a new Housing Finance which is working towards being: 

‘The premier financial enabler for the property industry in Kenya’

Today, Housing Finance:

• Provides integrated financial solutions
• Focuses on both commercial and residential property
• Focuses on both supply and demand and
• Aims to be the clear leader in this arena for the benefit of our stakeholders

You too can find the key to your own home. And it starts by clicking here to view the home and housing development opportunities available for you. Whether you are a first time homeowner, a housing developer, or a Kenyan working abroad, choose what appeals to you. Even if the thought of owning nice property may feel a little like a dream right now, we have products that can work for you. Send us an email, call or pop in at any of our offices all over Kenya. You talk. We listen.