Buying your first home in Nairobi in 2026 is a different exercise to buying one even five years ago. Supply is deeper, but quality varies widely, and the legal landscape rewards diligence.

Start with the title — confirm it is registered, verify the encumbrance position, and insist on a recent search. From there, move on to the developer's prior track record, sinking-fund position of the building, and the realistic timeline to completion.

Finally, run a stress test on your financing assumptions. The cheapest mortgage today is rarely the cheapest mortgage over the full term — model conservatively.