Owning your first home is a milestone. With a clear plan, it is also achievable. Here’s how to get started.
Step 1: Know what you want
Write down what your family needs now and in the next ten years: number of bedrooms, a compound for children, parking, distance to work and schools. Separate the must-haves from the nice-to-haves.
Step 2: Decide: buy ready, or buy land and build?
| Buy a ready home | Buy land and build | |
|---|---|---|
| Time to move in | Fast | 1–3 years or more |
| Upfront clarity on cost | High | Lower (construction costs vary) |
| Customisation | Limited | Full |
| Effort | Low | High (designs, approvals, contractors) |
Luxe Homes offers both: family homes in Ruiru–Mugutha and residential plots for those who want to build.
Step 3: Set a realistic budget
A common rule of thumb is to keep total housing payments within about a third of your monthly net income. Use our affordability calculator to see what fits. Remember to budget for:
- Deposit
- Legal and transfer costs, including stamp duty
- Moving, furnishing and connection costs
Step 4: Plan your financing
Options include savings, a structured developer payment plan, a SACCO loan, or a bank mortgage. Speak to more than one lender and compare the total cost, not only the monthly payment.
Step 5: Choose the location
Visit at different times of day. Check the commute, security, water reliability and the schools nearby. Read Things to Consider When Choosing a Residential Location.
Step 6: View, verify, then commit
Book a viewing, check the documentation, and have an advocate review the sale agreement before you pay.
Ready to start? Book a home viewing or talk to our team.