who we are

Welcome to Kenya Mortgage Refinance Company PLC


To provide long term funds to primary mortgage lenders (Banks, Microfinance Banks & Saccos) in order to increase the availability and affordability of home loans to Kenyans.

KMRC has a three-tiered governance structure consisting of shareholders (acting through the Annual General Meeting), a board of directors elected by the shareholders and the management team to which the Board delegates the day to day running of the Company.

To be the premier housing refinance company driving development and growth of housing finance in Kenya

To increase accessibility and affordability of housing loans in Kenya by providing long term financing to primary mortgage lenders

  • Collaboration – We are committed to working with primary mortgage lenders, the Government of Kenya, development finance institutions and other stakeholders to develop and grow the housing market.
  • Integrity – We are committed to adhering to high ethical and moral principles ensuring transparency and trustworthiness in our operations.
  • Innovation – We are committed to continuous improvement in our product offerings, the way we work and the professional development of our staff.
  • Efficiency – We are committed to striving for maximum impact by effectively minimising waste through developing dynamic and relevant policies and procedures.

products we offer

Affordable housing loans

Loans extended to Primary Mortgage Lenders to re-finance mortgage loans capped at KES 4 million in Nairobi metropolitan area (Nairobi, Kiambu, Machakos & Kajiado) and…

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Market housing loans

Loans extended to Primary Mortgage Lenders to re-finance mortgage loans above the Affordable Housing loans threshold.

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Kenya Mortgage Refinance Company PLC

The Government outlined four key development priorities (The BIG 4 Agenda)
for implementation over a five-year period (2018- 2022). Key among this is Affordable
Housing with a target to deliver at least 500,000 affordable housing
units in major cities around the country.



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