Choosing the right mortgage in Kenya can save homeowners millions over the life of their loan, as significant differences exist in total costs despite similar property prices.

• The difference in total repayment can be millions of shillings, primarily due to varying interest rates and loan terms.
• The Kenya Mortgage Refinance Company (KMRC) offers affordable, fixed-rate mortgages with longer repayment periods (up to 25 years) and financing up to 105% of property value.
• Prospective homeowners are advised to compare the *total cost of borrowing*, including all fees and charges, rather than focusing solely on the advertised interest rate, and to consider personal financial situations.