Home ownership is made possible by three pillars; Land, Building Solutions and Finances. The three factors must combine efficiently to deliver home ownership. In launching our partnerships with Optiven Limited and Jamii Bora Bank, we have created a synergy to help Kenyans own homes in record time.  Jamii Bora Bank is one the fastest growing banks in Kenya and has become known for the provision of innovative housing products. Through this partnership, we want to convert the over 2000 plot owners facilitated by Optiven into homeowners through the #LikeItWeReplicate Campaign.

In our partnership with Jamii Bora Bank, the bank will finance salaried, self-employed persons, companies, investment groups, Kenyans in Diaspora and SACCOs. The bank will also finance developers and investors who want to build for sale or rent. The bank will finance up to 100% financing for customers who already own land and want to use KOTO building solution to build residential houses. It will also extend up to 90% Mortgage Financing for investors putting up rental units and units for sale. Mortgage repayment periods will be subject to a maximum of 20years for residential homes and 10years for rental properties. For information on the Jamii Bora Bank mortgage products, visit their website at

In providing the said mortgage loans to our mutual customers, the bank will review each loan application on its merit and shall apply its lending policy. We advise our clients to visit any of the Jamii Bora Bank branches to find out how they can obtain mortgage facilities to build their KOTO homes.

We will soon be launching other financing partnerships to provide financing options to our mutual customers.

If you do not own a plot, visit Our land experts and partners are ready to assist you.