For many people, the idea of owning a home is more than just a financial goal. It’s a deeply personal milestone. It represents stability, pride, a sense of accomplishment, and in many ways, a place to call your own. But getting there doesn’t look the same for everyone, and it shouldn’t have to.
Some people are ready to buy a home that’s already built, one they can walk into and immediately start living in. Others dream of starting from scratch, buying a piece of land, designing a house that fits their vision, and building it over time. There are those who already own property and are simply looking for some financial breathing room. And then there are homeowners who feel like their current mortgage isn’t serving them anymore, and want to explore better terms.
Also read: Unlocking Home Ownership: How to Support Your Retirement Goals
Whatever stage you’re at, whatever your vision looks like, NCBA offers a range of property finance solutions that meet you where you are.
If you’re buying a completed home, you can access up to 105% financing, not just for the house, but for additional costs too, like stamp duty and legal fees. If your dream begins with a piece of land, NCBA can finance up to 70% of the plot cost, giving you the foundation to plan ahead. For those planning to build, the bank offers construction and Easy Build solutions, which allow up to 100% financing, helping you move from blueprint to reality without being held back by limited funds.
And if you already own a home or land and need access to cash, equity release could be the answer. This allows you to unlock up to 90% of your property’s value, giving you the flexibility to meet other goals, whether that’s investing, renovating, or simply managing other financial commitments. If you’re feeling stuck with an existing mortgage elsewhere, NCBA also provides balance transfer options that might come with better terms, and a smoother experience.
You don’t need to have all the answers from day one. Homeownership isn’t a one-size-fits-all journey, and you’re allowed to take the route that feels right for you. The important thing is to know your options, ask the right questions, and make decisions that align with your needs. With NCBA, owning a home doesn’t have to remain a distant dream. There are many ways to get there, you just need to find the one that works for you.
More information is available here: https://ke.ncbagroup.com/property-finance/
