How Gatepass Works: Complete Guide To Land & Home Financing in Kenya

Why Homeownership Feels Out of Reach in Kenya

Let’s be real, for many Kenyans, owning land or a home feels like chasing a moving target. Rent keeps rising, banks demand impossible deposits, and mortgages remain out of reach for the majority.

But what if there was a simpler, more flexible path? That’s where Gatepass comes in. It’s not just about buying a plot. It’s about moving from Leo Ploti, Kesho Keja; today a plot, tomorrow a home.

This guide breaks down exactly how Gatepass works, why it’s different from traditional financing, and how you can start your journey to ownership without the stress.

What is Gatepass?

Gatepass is a Kenyan home and land financing solution designed to make ownership accessible to hardworking individuals who are tired of renting and waiting. Instead of locking you into complicated bank mortgages, Gatepass gives you:

• Flexible financing for plots and homes
• Affordable monthly payments that fit your lifestyle
• Transparent terms (no hidden charges, no fine print)
• A clear roadmap from land purchase to full homeownership

Think of it as your shortcut to ownership, removing the red tape and giving you a financing model that finally makes sense.

How Gatepass Works: Step by Step

1. Choose Your Plot (Land Financing Phase)

Gatepass starts by helping you secure a plot in prime, strategic locations (like Lukenya Brooks Phase 1). Instead of paying the entire KES 650,000 upfront, you spread it out.

Example: With 6.99% interest per year, your monthly payments are about KES 20,067 for 36 months, all inclusive. No hidden extras.

Check Out → Our Affordability Guide

2. Move Into the Home Financing Phase

Once your plot is fully paid for, Gatepass helps you build. This phase gives you 5–10 years to repay with the same transparent 6.99% interest rate.

That means you don’t just own land. You move from ploti to keja with a repayment plan that actually works.

3. Enjoy Flexible Ownership Plans

Whether you’re employed, self-employed, or running a hustle, Gatepass tailors financing plans to match your reality. Even if you don’t have formal employment, you can still qualify.

4. Green Financing Options

For eco-conscious homeowners, Gatepass also offers green financing to help you build sustainable homes using renewable energy and eco-friendly solutions.

5. Partnerships & Joint Ventures

Got land but not sure what to do with it? Gatepass partners with landowners to unlock value through joint ventures, ensuring land doesn’t just sit idle but works for you.

Why Gatepass is Different

Unlike banks or shylocks, Gatepass is built around people, not profit margins. Here’s how it stands out:

• Lower interest rates (6.99% vs. traditional mortgage rates at 12–14%)
• No hidden costs — what you see is what you pay
• Inclusive financing — not just for the formally employed
• Direct ownership — your name is on the title deed
• No credit score checks — we believe in your potential, not your past records