NCBA is strengthening access to more affordable and sustainable homeownership through the rollout of its Solar Leasing solution to the Coast region, alongside its flexible Easy Build financing offering. These solutions were showcased during the Mombasa Property Investment Tour, providing customers with practical, accessible pathways to owning, building and powering their homes.
As Kenya’s real estate sector continues to expand, the Coast region is emerging as one of the country’s most attractive property investment destinations. According to Knight Frank, Mombasa contributes 4.9% of Kenya’s GDP and has matured into a property market whose prime residential values increasingly rival those of Nairobi. This growth is being supported by strategic infrastructure projects such as the Dongo Kundu Bypass, growing diaspora investment and rising demand for residential, holiday and retirement homes.
Despite significant progress in national electrification with approximately 76–79% of Kenyans now having access to electricity and urban access exceeding 97% energy usage and reliability remaining uneven, particularly across coastal regions. In Mombasa, for instance, less than half of households rely on electricity for lighting, while a very small proportion use it for cooking, highlighting continued dependence on alternative energy sources. At the same time, one in five Kenyan households has adopted solar solutions, signalling growing demand for more reliable, flexible and sustainable energy options.
Against this evolving infrastructure and energy landscape, emerging locations such as Vipingo are also gaining popularity as investors seek opportunities within master-planned communities that offer both lifestyle appeal and long-term value appreciation. Despite these opportunities, many aspiring homeowners and investors still face challenges around financing, affordability and navigating the property acquisition process.
Breaking down NCBA’s mortgage facilities for land and home ownership
In response to these barriers, NCBA continues to introduce solutions that make property ownership more flexible and attainable. The newly introduced Solar Leasing solution enables customers to access clean, reliable energy for their homes without the need for significant upfront capital investment, making sustainable living more accessible. This complements NCBA’s Easy Build financing solution, which allows customers to purchase land and construct homes in phases based on their financial capacity.
Through the Mombasa Property Investment Tour, customers were able to engage directly with these solutions while receiving practical guidance on financing, legal requirements and ownership options. The tour offered a first-hand look at high-potential developments across Vipingo and the wider coastal region, including Ocean View Ridge, Kingswood Park, Awali and Pazuri.
Through discussions with legal advisors, valuers, property developers and NCBA financial experts, attendees gained clearer insight into the homeownership journey and the financing options available to support their goals. These engagements covered key aspects of property ownership, including legal due diligence, ownership documentation, mortgage structuring, affordability assessments, insurance solutions and risk management.
NCBA continues to support property ownership across the Coast region, backed by a mortgage portfolio of more than KES 1.1 billion. The bank has partnered with seven property developers in Mombasa and continues to advance affordable housing initiatives and buy-and-build opportunities aligned with changing customer needs.
During the tour, NCBA also showcased its full suite of property financing solutions designed to address common barriers to homeownership. These include up to 105% mortgage financing, which helps customers cover not only the property purchase but also associated costs such as legal fees and valuation charges, significantly reducing upfront financial requirements.
The bank also highlighted its Easy Build solution, which allows customers to construct homes in phases, providing greater flexibility and control over the building process. For customers undertaking larger projects, NCBA’s construction financing solutions offer structured funding aligned to project milestones, supported by the bank’s in-house technical expertise, including quantity surveyors who provide guidance throughout construction.
The addition of Solar Leasing further strengthens NCBA’s end-to-end homeownership ecosystem, enabling customers not only to finance and build their homes but also to power them sustainably. This integrated approach positions NCBA as a trusted partner supporting customers from acquisition and financing through to construction and long-term home use.
Beyond property showcases, the tour provided a platform for meaningful engagement and relationship-building, allowing participants to interact directly with NCBA financial advisors, legal experts and property developers.
The success of the Mombasa engagement reflects NCBA’s continued focus on delivering practical, innovative solutions that make homeownership more accessible, flexible and sustainable. Building on this momentum, NCBA plans to roll out similar initiatives across the country, expanding access to property investment opportunities, expert guidance and tailored financing solutions.
Customers interested in learning more about NCBA’s property financing solutions and upcoming engagements can access information through the bank’s branches and digital platforms.
