Answers To What Matters Most

Frequently Asked Questions

Getting Started

How Gatepass Works.

What is Gatepass?

Gatepass is a land and home financing solution designed for everyday Kenyans. We provide flexible payment plans that allow you to own land and eventually a home without banks, credit checks, or brokers.

Who is Gatepass for?

Gatepass is for any Kenyan aged 18+ who wants to own land or a home, especially those who have been locked out by traditional financing systems. Whether you’re self-employed, a hustler, a SACCO member, or salaried, we’ve got you.

How do I apply?

Visit the Ownership Application page, fill in your personal and financial details, choose your preferred project and plan, upload your ID/passport and a passport photo, and submit. We’ll review and contact you shortly.

Is Gatepass a SACCO or a bank?

No. Gatepass is an independent platform powered by Moran Group, offering structured, affordable paths to property ownership, without the bureaucracy of banks or SACCOs.

Land Ownership

Buying & Owning Land.

Do I need a deposit to buy land?

No! With Gatepass, you can begin paying for your plot with zero deposit. You only need to make consistent monthly payments.

Are the plots genuine?

Yes. All our plots are 100% verified, come with clean title deeds, and are processed directly; no brokers are involved. We conduct due diligence before onboarding any project.

Where are your plots located?

We currently offer projects in strategic locations like Stonecrest Gardens Lukenya, Lukenya Brooks Phase 1 and Uphill Phase 1 Lukenya, with more locations coming soon.

How big are the plots?

Each plot is typically 50 ft x 100 ft (1/8 acre), but this may vary slightly per project.

When do I receive my title deed?

After 36 months of consistent payments without default, your plot is fully paid for. We then process and issue your title deed in your name.

Ownership Plans (Passes)

Understanding the 3 Passes.

What are the Gatepass Ownership Passes?

We offer three plans based on how much you can pay monthly:

Fidelity Pass: KES 20K–30K/month (KES 3.5M–5M home)
Premium Pass: KES 30K–60K/month (KES 5M–7M home)
Platinum Pass: KES 60K–100K/month (KES 7M–10M home)

Can I switch my Ownership Plan later?

Yes, you can upgrade or adjust your plan depending on your payment consistency and eligibility. Just contact your Gatepass advisor.

Is there interest on the payment plan?

Yes. The land and home are financed at a competitive 6.99% annual interest, already factored into your payment plan.

Home Financing

Building Your Home.

How does the home construction process work?

After 3 years of consistent plot payments, you qualify for a home. Gatepass then builds your home based on your selected Pass, and you repay it over 10 years at 6.99% interest.

Who builds the homes?

Gatepass works with licensed and vetted construction partners to ensure quality builds. All homes meet national building codes and standards.

Can I customize my home design?

We offer standard designs per Pass, but minor personalization options (finishes, extensions, etc.) can be discussed once you qualify.

When do I start paying for the house?

You only start repaying the home portion once the house is complete and you’ve moved in. Until then, you’re only paying for the land.

Diaspora Buyers

Owning Property From Abroad.

Can I buy land through Gatepass while abroad?

Yes! Gatepass fully supports diaspora clients. You can view projects, apply, and pay; all from wherever you are in the world. Everything is digital, secure, and transparent.

How do I make monthly payments from outside Kenya?

You can pay via bank transfer, WorldRemit, or Sendwave, or have a trusted local rep pay via M-PESA on your behalf. We’ll provide clear payment instructions during onboarding.

How do I sign documents or verify ownership?

All documentation can be digitally signed, and we’ll share scanned copies of key documents. You’ll also get real-time updates on payments, plot allocation, and progress.

Can I involve a family member or agent locally?

Yes. You can assign a next of kin or representative in Kenya to handle visits or receive physical documents. Just ensure they’re officially listed in your application.

Do you provide video site tours for diaspora clients?

Absolutely. We offer video walkthroughs, virtual Q&A sessions, and scheduled virtual calls with our project team so you don’t miss a thing.

Is it safe to invest while abroad?

Yes. Gatepass is committed to 100% transparency. Every plot is verified, every payment is receipted, and we handle all legal paperwork internally, with no brokers involved.

Payments & Financing

Making Monthly Payments.

How do I make monthly payments?

You can pay via M-PESA, bank transfer, or through a registered SACCO partner. MPESA is the most common and convenient option.

What happens if I miss a payment?

Missing one payment may not disqualify you, but consistent defaults may delay or affect your qualification for the home. We encourage open communication if you’re facing difficulties.

Is there a penalty for early payment or clearance?

No. You can clear your land or home balance early without penalty, and we encourage it if you’re financially able.

Do you check credit scores or require payslips?

No. We do not perform credit checks or ask for payslips. We assess your reliability based on your payment consistency.

Green Financing

Eco-Friendly Home Options.

What is Green Financing?

Gatepass Green Financing allows you to include eco-friendly upgrades in your home, like solar panels, water tanks, and natural ventilation, bundled into your payment plan.

Are there extra costs for green features?

Green features may raise your monthly payments slightly, but the long-term savings on utility bills make it worthwhile, and it’s still covered under the 6.99% interest plan.

Can I apply for Green Financing later?

Yes, you can add green options during the home planning phase after land ownership is secured.

Landowners & Partners

Partnering With Gatepass®.

How do I sell land to Gatepass?

If you own at least 5 acres with a clean title and no disputes, you can partner with Gatepass either via a direct sale or a joint venture.

Do you work with brokers or agents?

No. We work directly with verified landowners only. No brokers or intermediaries allowed.

Can I partner as a developer, funder, or SACCO?

Yes! Visit our Partner With Us page to explore opportunities. We work with SACCOs, contractors, NGOs, and investors to scale affordable housing together.