A new housing initiative aims to simplify how Kenyans, both locally and abroad, acquire land, build homes, and access financing through a streamlined, end-to-end model.
The partnership brings together three key players in land, banking, and home ownership: Optiven Limited, Everstrong Maskani LLP, and Co-operative Bank of Kenya.
The initiative offers a complete pathway from land acquisition to house construction, supported by financing aligned to Kenya’s affordable housing goals.
Through this collaboration, Optiven will help clients identify and acquire serviced plots in designated residential areas.
Everstrong Maskani LLP will handle the design and construction process, providing standardised architectural plans and project oversight.
Co-op Bank will extend credit facilities of up to KSh 10.5 million per household under the Kenya Mortgage Refinancing Company (KMRC) framework, with eligible homes capped at KSh 15 million in value.
Known as the Maskani Bora Turnkey Project, the programme is structured to deliver completed homes within a 12-month timeframe.
The model aims to address common barriers in the construction process, delays, lack of technical support, and unplanned costs, by centralising accountability across all involved parties.
Japhet Kahindi Ponda, Head of Mortgage Finance at Co-operative Bank, noted that the KMRC-backed mortgage loans are open to all Kenyans, including those living in the diaspora.
“This facility is designed for borrowers seeking affordable and predictable home financing,” he said.
Construction will be carried out without upfront payments from clients. Instead, homeowners will access structured milestone-based evaluations tied to funding tranches, with full visibility into each stage of the build process.
Henry Kyanda, Managing Partner at Everstrong Maskani LLP, described the approach as a reset of the construction experience.
“There’s a deliberate structure built around trust. From approvals to handover, everything is documented, inspected, and managed in collaboration with the homeowner,” he said.
The project reinforces a broader shift toward professionalised, turnkey home delivery for middle-income buyers — particularly those unable to manage fragmented construction on their own.
As housing demand continues to grow in both urban and peri-urban centres, the model offers a ready-made solution tailored to Kenya’s evolving demographic and economic realities.
