Mortgage investing is emerging as a viable alternative for Kenyans seeking steady income streams in 2025. This investment involves putting money into home loans and earning from the interest paid by borrowers, a method gaining traction amidst growing housing demand.

• Investments can start from as little as Ksh50,000 through SACCOs and bonds, making it accessible to a wider range of investors.
• Key institutions involved include the Kenya Mortgage Refinance Company (KMRC) and various Real Estate Investment Trusts (REITs).
• While offering steady income and being backed by property, investors should be aware of potential borrower default and the long-term nature of these investments.