About Housing & Mortgage

Rafiki home account is a saving account that encourages clients towards home ownership through their savings with Rafiki Microfinance Bank.


  • Opening Balance Ksh. 1,000
  • competitive Interest.
  • No ledger fees
  • Two withdrawals per year, once on every half
  • Open to both individuals ,limited companies and groups
  • Rafiki Home account is a prerequisite for clients intending to take up a mortgage or housing facility

Housing Microfinance (HMF)

The product fills the gap of the ones who already own land but with no title deeds. The loan addresses the following purposes:

  • Undertaking repairs and renovation.
  • Up scaling or addition to existing rental unit.
  • Development of new rental units.
  • Construction of new homes.
  • Power installation
  • Borehole drilling
  • Fencing


  • Amount: 500,001-1,000,000
  • Loan duration: 24 months
  • Competitive interest rates

Home ownership starter

  • Amount: 20,000-500,000
  • Loan duration: 24 months
  • Competitive interest rates

Get a Quote

Now apply for a Housing and Mortgage Loan online. All you need to do is provide your details below in the application form.