Penina Kimeru
Affordability and long-term value
“I wasn’t planning to buy a home, but Kilifi is a good location and the price was right. Many people didn’t know about the Kenya Mortgage Refinance Scheme, so I took the opportunity to tell people about it so they can afford low-cost housing. A mortgage is a long-term commitment, but when you buy a house, after a few years the value appreciates while the loan remains relatively stable. People are often afraid of committing themselves.”