Buying your first home is a major milestone, but it also comes with big questions, especially in a growing market like Kenya. Whether you’re looking for a family home or an investment opportunity, it’s natural to feel overwhelmed.
In this blog, we unpack the most frequently asked questions by first-time homebuyers, and give you the answers you need.
1. Is it better to buy off-plan or a ready unit?
Answer:
Off-plan homes are often cheaper and come with flexible payment plans. However, they require trust in the developer. Ready units give you the advantage of seeing what you’re buying but often require full payment or financing upfront.
Tip: If you’re considering off-plan, work only with trusted developers with a solid delivery history—like Mi Vida.
2. How do I know if a title deed is legit?
Answer:
Always conduct a title deed search at the Ministry of Lands to verify ownership and encumbrances. A credible developer will allow and even encourage this.
At Mi Vida, we provide full documentation and encourage legal due diligence from the start.
3. Can I buy property without a loan?
Answer:
Yes, through installment plans directly with the developer. Some developers allow you to spread payments during construction. However, home loans remain a popular option due to longer repayment timelines.
Mi Vida’s Keza project offers flexible payment structures—ideal for young professionals and growing families.
4. What hidden costs should I expect?
Answer:
Apart from the purchase price, consider:
- Legal and stamp duty fees
- Service charges (especially in gated communities)
- Connection fees (water, power)
Tip: Always ask for a breakdown of all charges before signing any agreement.
5. What if I’m in the diaspora—can I still buy a home in Kenya?
Answer:
Absolutely. Many Kenyans in the diaspora own homes back home. Just ensure you’re working with a transparent developer, have a reliable contact on the ground, and legal representation.
Mi Vida works closely with diaspora buyers through secure digital channels and scheduled one-on-one consultations.
6. Should I wait for the market to drop before buying?
Answer:
The real estate market rarely “crashes” in Nairobi. Property prices tend to rise steadily due to land appreciation and urban development.
The best time to buy is when you find a trusted developer and a property that meets your long-term goals.
Ready to Get Started?
Owning your first home doesn’t have to be complicated. With the right developer and the right guidance, you can invest with confidence.
Keza Riruta by Mi Vida is designed with first-time homebuyers in mind—modern units, transparent pricing, and a support team that walks with you every step of the way.
Book a site visit with us today.