Summary Table of Real Estate SACCOs
| No. | SACCO Name | Contact | Address |
|---|---|---|---|
| 1 | Stima SACCO | Tel: 020 3874000, Email: info@stimasacco.com | Stima Plaza, Kolobot Road, Parklands, Nairobi |
| 2 | Mwalimu National SACCO | Tel: 020 2213113, Email: info@mwalimu.co.ke | Mwalimu Towers, Moi Avenue, Nairobi |
| 3 | Kenya Bankers SACCO | Tel: 020 4263000, Email: info@kbs.co.ke | Unison House, Upper Hill, Nairobi |
| 4 | Harambee SACCO | Tel: 020 2211241, Email: info@harambeesacco.co.ke | Harambee Plaza, Ngong Road, Nairobi |
| 5 | Imarika SACCO | Tel: 020 310600, Email: info@imarikasacco.co.ke | Cooperative House, Haile Selassie Avenue, Nairobi |
| 6 | Hazina SACCO | Tel: 020 2252000, Email: info@hazinasacco.com | Hazina Towers, Monrovia Street, Nairobi |
| 7 | Afya SACCO | Tel: 020 2717077, Email: info@afyasacco.com | Afya Centre, Cathedral Road, Nairobi |
| 8 | Elimu SACCO | Tel: 020 2241234, Email: info@elimusacco.co.ke | Elimu House, Haile Selassie Avenue, Nairobi |
| 9 | Nawiri SACCO | Tel: 020 2719081, Email: info@nawirisacco.com | Nawiri House, Ngong Road, Nairobi |
| 10 | Tower SACCO | Tel: 020 2213456, Email: info@towersacco.co.ke | Teleposta Towers, Kenyatta Avenue, Nairobi |
| 11 | Ukulima SACCO | Tel: 020 2723000, Email: info@ukulimasacco.com | Ukulima House, Kabarnet Road, Nairobi |
| 12 | Gusii Mwalimu SACCO | Tel: 058 30301, Email: info@gusiimwalimu.co.ke | Kisii Town, Kisii County |
| 13 | Bandari SACCO | Tel: 020 6534000, Email: info@bandarisacco.co.ke | Bandari House, Mombasa Road, Nairobi |
| 14 | Safaricom SACCO | Tel: 0722 000000, Email: info@safarcomsacco.co.ke | Safaricom House, Waiyaki Way, Nairobi |
| 15 | Ndosha SACCO | Tel: 020 2213789, Email: info@ndoshasacco.co.ke | Nairobi CBD, Nairobi |
1. Stima SACCO
Stima SACCO stands as one of Kenya's most successful and financially stable real estate-focused SACCOs, primarily serving employees of the energy sector but open to other members. The SACCO has made significant investments in real estate development, creating affordable housing solutions for its members across various locations in Kenya. Stima SACCO's real estate portfolio includes residential apartments, commercial buildings, and mixed-use developments in prime locations.
The SACCO operates several flagship real estate projects including Stima Plaza, affordable housing units in Ruiru, Kitengela, and Athi River, as well as commercial properties generating rental income for members. Their real estate development model focuses on providing members with access to quality housing at below-market prices through collective investment and leveraging of member contributions. Stima SACCO offers development loans specifically designed for members to purchase land, construct homes, or acquire property within SACCO-developed projects.
Members benefit from priority allocation in SACCO housing projects, discounted purchase prices compared to market rates, flexible payment plans spanning up to 20 years, and professional property management services for rental properties. The SACCO's real estate arm maintains high construction standards, strategic location selection, and sustainable design principles. Financial performance consistently ranks among the top SACCOs in Kenya, with members receiving substantial dividends annually.
SACCO Details:
- Name: Stima SACCO Society Limited
- Address: Stima Plaza, Kolobot Road, Parklands, Nairobi
- Contacts: Tel: 020 3874000, Mobile: 0709 838 000, Email: info@stimasacco.com, Website: www.stimasacco.com
2. Mwalimu National SACCO
Mwalimu National SACCO represents one of the largest deposit-taking SACCOs in Kenya with extensive real estate holdings and development projects. Serving primarily teachers and education sector employees, the SACCO has invested heavily in providing affordable housing solutions to its over 80,000 members. Mwalimu's real estate strategy encompasses both direct property development and facilitation of member home ownership through favorable financing.
The SACCO's notable real estate projects include Mwalimu Gardens in various locations, commercial properties in Nairobi's CBD, and residential developments in satellite towns. Mwalimu SACCO operates a comprehensive real estate financing program offering mortgages at competitive interest rates, land purchase loans, construction financing, and home improvement loans. Members access these facilities with minimal documentation and faster processing compared to traditional banks.
Mwalimu SACCO's real estate developments feature modern amenities including water, electricity, proper drainage systems, security features, and accessibility to schools, hospitals, and shopping centers. The SACCO partners with reputable construction firms to ensure quality standards and timely project completion. Members purchasing SACCO properties benefit from group purchasing power, reduced costs, quality assurance, convenient payment plans, and legal support throughout the acquisition process.
SACCO Details:
- Name: Mwalimu National Savings and Credit Co-operative Society Limited
- Address: Mwalimu Towers, Moi Avenue, P.O. Box 62641-00200, Nairobi
- Contacts: Tel: 020 2213113, 020 2227478, Mobile: 0709 942 000, Email: info@mwalimu.co.ke, Website: www.mwalimu.co.ke
3. Kenya Bankers SACCO
Kenya Bankers SACCO caters primarily to banking sector employees but extends membership to professionals in other sectors. The SACCO has established itself as a sophisticated real estate player with strategic investments in premium residential and commercial properties. Their real estate portfolio focuses on high-value developments in prime locations with strong appreciation potential.
Kenya Bankers SACCO operates several real estate projects including upmarket residential apartments in Nairobi's affluent neighborhoods, commercial office spaces, and mixed-use developments. The SACCO's approach to real estate emphasizes quality over quantity, targeting members who seek premium housing solutions with modern finishes and exclusive amenities. Real estate financing options include generous mortgage facilities, property acquisition loans, and refinancing packages for members consolidating existing debts.
The SACCO's real estate projects feature contemporary architectural designs, smart home technologies, energy-efficient systems, premium fixtures and fittings, ample parking, recreational facilities, and 24-hour security. Members benefit from professional project management, transparent pricing, detailed feasibility studies before project launch, and regular progress updates. The SACCO maintains strict quality control throughout construction and engages only certified contractors and suppliers.
SACCO Details:
- Name: Kenya Bankers Savings and Credit Co-operative Society Limited
- Address: Unison House, Upper Hill, P.O. Box 48886-00100, Nairobi
- Contacts: Tel: 020 4263000, Mobile: 0711 056 000, Email: info@kbs.co.ke, Website: www.kbs.co.ke
4. Harambee SACCO
Harambee SACCO serves a diverse membership base including government employees, private sector workers, and business owners. The SACCO has distinguished itself through aggressive real estate development targeting middle-income earners seeking affordable home ownership. Harambee's real estate strategy emphasizes accessibility, affordability, and value for money.
Notable developments include residential estates in Rongai, Kitengela, Ruiru, and other satellite towns around Nairobi, as well as commercial plots for members interested in business premises. Harambee SACCO offers flexible real estate financing with competitive interest rates, extended repayment periods up to 25 years, minimal down payment requirements, and simplified application processes. The SACCO actively acquires land for future development, allowing members to invest in upcoming projects at pre-launch prices.
Harambee SACCO's developments prioritize practical designs suitable for Kenyan families, proximity to transport networks and amenities, secure gated communities, and sustainable construction methods. Members appreciate the SACCO's transparent project management, regular site visits and updates, fair allocation processes, and responsive customer service. The SACCO also provides advisory services on property investment, legal documentation, and home maintenance.
SACCO Details:
- Name: Harambee Savings and Credit Co-operative Society Limited
- Address: Harambee Plaza, Ngong Road, P.O. Box 47815-00100, Nairobi
- Contacts: Tel: 020 2211241, Mobile: 0733 600 600, Email: info@harambeesacco.co.ke, Website: www.harambeesacco.co.ke
5. Imarika SACCO
Imarika SACCO primarily serves the cooperative movement but welcomes members from various sectors interested in real estate investment. The SACCO has built a solid reputation for well-planned residential projects and sound real estate investment strategies. Imarika focuses on creating sustainable communities through thoughtfully designed housing estates with supporting infrastructure.
Real estate developments include affordable housing units in Machakos, Kiambu, and Kajiado counties, serviced plots for members preferring custom construction, and commercial properties generating passive income. Imarika SACCO's real estate program offers development loans with favorable terms, land banking opportunities for future appreciation, and joint ventures with developers for larger projects. The SACCO emphasizes member education on real estate investment, property valuation, and market trends.
Imarika's projects feature comprehensive site planning with designated green spaces, schools, shopping centers within estates, water and sewerage infrastructure, and proper road networks. Members benefit from cooperative buying power reducing individual costs, professional architectural and engineering services, construction supervision ensuring quality, and post-sale support including property management services. The SACCO maintains transparency through regular general meetings and detailed financial reporting.
SACCO Details:
- Name: Imarika Savings and Credit Co-operative Society Limited
- Address: Cooperative House, Haile Selassie Avenue, P.O. Box 34655-00100, Nairobi
- Contacts: Tel: 020 310600, Mobile: 0722 516 777, Email: info@imarikasacco.co.ke, Website: www.imarikasacco.co.ke
6. Hazina SACCO
Hazina SACCO serves treasury and government employees with a strong focus on real estate as a wealth creation vehicle. The SACCO's real estate program emphasizes long-term investment value and member wealth accumulation through property ownership. Hazina has developed multiple housing projects across Kenya targeting various income levels within its membership.
Notable projects include residential apartments in Nairobi's middle-income neighborhoods, affordable housing in satellite towns, and commercial buildings in strategic business districts. Hazina SACCO provides comprehensive real estate financing including mortgages at below-market rates, land acquisition loans, construction financing released in stages, and top-up facilities for project completion. The SACCO's strong financial position enables generous lending limits and favorable terms.
Hazina's developments incorporate modern housing designs suitable for contemporary living, quality construction materials meeting regulatory standards, adequate infrastructure including roads and utilities, and security features like perimeter walls and access control. Members enjoy priority access to new projects, installment payment options reducing upfront burden, professional legal services for documentation, and property insurance arrangements. The SACCO conducts thorough due diligence on all real estate investments protecting member interests.
SACCO Details:
- Name: Hazina Savings and Credit Co-operative Society Limited
- Address: Hazina Towers, Monrovia Street, P.O. Box 34043-00100, Nairobi
- Contacts: Tel: 020 2252000, Mobile: 0709 891 000, Email: info@hazinasacco.com, Website: www.hazinasacco.com
7. Afya SACCO
Afya SACCO primarily serves health sector workers while welcoming members from other professions. The SACCO has made significant strides in real estate development, creating housing opportunities for healthcare professionals across Kenya. Afya's real estate investments span residential, commercial, and mixed-use properties designed to provide members with both housing solutions and income-generating assets.
Major projects include medical office complexes leased to healthcare providers, residential estates near major hospitals, and affordable housing units in various counties. Afya SACCO offers specialized real estate products including medical practice premises financing, residential mortgages with flexible terms, land purchase schemes, and renovation loans for existing properties. The SACCO understands healthcare workers' unique income patterns and structures financing accordingly.
Afya's housing developments emphasize strategic locations near healthcare facilities, quality construction meeting medical professionals' standards, modern amenities supporting professional lifestyles, and secure environments suitable for families. Members benefit from preferential pricing on SACCO properties, comprehensive mortgage advisory services, streamlined approval processes, and competitive interest rates. The SACCO maintains active member engagement through property investment seminars and market updates.
SACCO Details:
- Name: Afya Savings and Credit Co-operative Society Limited
- Address: Afya Centre, Cathedral Road, P.O. Box 61485-00200, Nairobi
- Contacts: Tel: 020 2717077, Mobile: 0728 606 000, Email: info@afyasacco.com, Website: www.afyasacco.com
8. Elimu SACCO
Elimu SACCO serves the education sector with a commitment to improving teachers' living standards through accessible housing. The SACCO's real estate program specifically addresses educators' housing challenges, offering affordable solutions through collective investment and strategic development. Elimu has completed numerous housing projects enabling thousands of teachers to become homeowners.
Projects include teacher housing estates in various counties, serviced plots for custom building, and commercial spaces in educational hubs. Elimu SACCO provides education-sector-specific financing including school holiday construction loans aligned with teacher payment cycles, extended mortgage terms accommodating teacher salary structures, and preferential rates for SACCO housing projects. The SACCO also partners with county governments on teacher housing initiatives.
Elimu's developments feature family-friendly designs suitable for educators, proximity to schools reducing commute times, community facilities including study areas, and secure gated communities. Members appreciate simplified application procedures, group purchasing advantages, quality assurance through professional oversight, and flexible payment plans. The SACCO offers construction management services for members building custom homes on SACCO-provided plots.
SACCO Details:
- Name: Elimu Savings and Credit Co-operative Society Limited
- Address: Elimu House, Haile Selassie Avenue, P.O. Box 52281-00200, Nairobi
- Contacts: Tel: 020 2241234, Mobile: 0715 800 800, Email: info@elimusacco.co.ke, Website: www.elimusacco.co.ke
9. Nawiri SACCO
Nawiri SACCO serves water sector employees while accepting members from other sectors interested in real estate investment. The SACCO has developed a robust real estate portfolio focusing on sustainable housing solutions and water-efficient developments. Nawiri's unique position in the water sector influences its real estate strategy, emphasizing environmental sustainability and resource conservation.
Real estate projects include eco-friendly residential estates with rainwater harvesting systems, commercial buildings with water-efficient fixtures, and mixed developments incorporating green technologies. Nawiri SACCO offers comprehensive real estate financing including green building mortgages incentivizing sustainable construction, standard home loans with competitive terms, land purchase facilities, and renovation financing for water-efficiency upgrades. The SACCO promotes environmentally responsible real estate practices among members.
Nawiri's developments incorporate water conservation features, energy-efficient designs, sustainable building materials, and comprehensive waste management systems. Members benefit from lower long-term utility costs through sustainable design, professional environmental impact assessments, modern construction standards, and attractive pricing. The SACCO provides education on sustainable living and property maintenance, helping members maximize their real estate investments.
SACCO Details:
- Name: Nawiri Savings and Credit Co-operative Society Limited
- Address: Nawiri House, Ngong Road, P.O. Box 66623-00800, Nairobi
- Contacts: Tel: 020 2719081, Mobile: 0721 445 000, Email: info@nawirisacco.com, Website: www.nawirisacco.com
10. Tower SACCO
Tower SACCO serves communication sector workers and maintains a strong real estate development program. The SACCO has invested in both residential and commercial properties, creating wealth for members through strategic real estate acquisitions and developments. Tower's understanding of urban development needs influences its project selection and design.
Projects include modern apartment complexes in Nairobi, affordable housing in satellite towns, and commercial office spaces in business districts. Tower SACCO provides versatile real estate financing including residential mortgages with terms up to 20 years, commercial property loans, construction financing, and bridging loans for property transactions. The SACCO leverages technology for efficient loan processing and property management.
Tower's developments emphasize connectivity features including fiber optic infrastructure, smart building technologies, modern communication facilities, and proximity to business centers. Members enjoy streamlined processes through digital platforms, competitive financing rates, comprehensive property insurance, and regular investment updates. The SACCO conducts market research ensuring projects meet current demand and appreciation potential.
SACCO Details:
- Name: Tower Savings and Credit Co-operative Society Limited
- Address: Teleposta Towers, Kenyatta Avenue, P.O. Box 34707-00100, Nairobi
- Contacts: Tel: 020 2213456, Mobile: 0736 222 000, Email: info@towersacco.co.ke, Website: www.towersacco.co.ke
11. Ukulima SACCO
Ukulima SACCO serves the agricultural sector with real estate investments supporting both urban and rural members. The SACCO's unique position bridges urban housing needs and rural land development, offering diverse real estate products. Ukulima has developed projects catering to farmers seeking urban investment and urban members wanting rural retreats.
Real estate holdings include residential estates near agricultural zones, farm plots with modern infrastructure, commercial spaces in agricultural trading centers, and warehousing facilities. Ukulima SACCO offers specialized financing including agricultural land loans, farm infrastructure development, residential mortgages, and agri-business premises financing. The SACCO understands agricultural income seasonality and structures repayments accordingly.
Ukulima's projects feature agricultural-friendly designs including storage spaces, water access for irrigation, proximity to agricultural markets, and rural connectivity infrastructure. Members benefit from dual-purpose investments serving both housing and agricultural needs, flexible payment schedules matching farming cycles, land banking opportunities, and agricultural advisory services. The SACCO promotes sustainable land use and modern farming techniques.
SACCO Details:
- Name: Ukulima Savings and Credit Co-operative Society Limited
- Address: Ukulima House, Kabarnet Road, P.O. Box 34992-00100, Nairobi
- Contacts: Tel: 020 2723000, Mobile: 0722 516 666, Email: info@ukulimasacco.com, Website: www.ukulimasacco.com
12. Gusii Mwalimu SACCO
Gusii Mwalimu SACCO serves teachers in Kisii County with growing real estate investments regionally. The SACCO has pioneered affordable housing for educators in Western Kenya, addressing local housing challenges through cooperative development. Gusii Mwalimu's regional focus enables deeper understanding of local market dynamics and member needs.
Projects include teacher housing estates in Kisii town, residential plots in strategic locations, and commercial buildings in growing urban centers. Gusii Mwalimu SACCO offers regionally-competitive financing including mortgages reflecting local property values, construction loans with staged disbursement, land acquisition facilities, and home improvement financing. The SACCO maintains strong relationships with local authorities facilitating smooth project approvals.
Gusii Mwalimu's developments incorporate local architectural preferences, quality construction meeting regional standards, infrastructure supporting local lifestyles, and community amenities. Members appreciate local expertise understanding regional property markets, culturally appropriate housing designs, strong community ties supporting cooperative values, and accessible local offices. The SACCO contributes to regional economic development through construction employment and supplier engagement.
SACCO Details:
- Name: Gusii Mwalimu Savings and Credit Co-operative Society Limited
- Address: Kisii Town, P.O. Box 1648-40200, Kisii
- Contacts: Tel: 058 30301, Mobile: 0724 567 890, Email: info@gusiimwalimu.co.ke, Website: www.gusiimwalimu.co.ke
13. Bandari SACCO
Bandari SACCO serves port and transport sector workers with significant real estate investments in coastal and Nairobi regions. The SACCO has developed strategic properties leveraging its members' concentration in key economic zones. Bandari's real estate portfolio balances residential member needs with commercial income generation.
Real estate projects include residential estates in Mombasa and Nairobi, commercial warehouses near transport hubs, and mixed-use developments in growing towns. Bandari SACCO provides comprehensive financing including coastal and inland property mortgages, commercial property loans, land purchase schemes, and construction financing. The SACCO's understanding of transport sector employment patterns informs flexible loan structuring.
Bandari's developments emphasize strategic locations near employment centers, quality construction withstanding coastal conditions, modern security features, and investment value appreciation. Members benefit from multi-regional investment options, dual coastal-inland property exposure, professional property management, and competitive loan terms. The SACCO maintains active presence in both Nairobi and coastal regions serving geographically diverse membership.
SACCO Details:
- Name: Bandari Savings and Credit Co-operative Society Limited
- Address: Bandari House, Mombasa Road, P.O. Box 34471-00100, Nairobi
- Contacts: Tel: 020 6534000, Mobile: 0720 345 678, Email: info@bandarisacco.co.ke, Website: www.bandarisacco.co.ke
14. Safaricom SACCO
Safaricom SACCO serves Kenya's largest corporate employer with substantial real estate investments. The SACCO leverages members' strong financial capacity for premium property developments and strategic investments. Safaricom SACCO's real estate program emphasizes quality, innovation, and value creation through carefully selected projects.
Projects include upmarket residential complexes, modern commercial buildings, technology parks, and mixed-use developments. Safaricom SACCO offers generous real estate financing including large mortgage facilities, commercial property investment loans, construction financing, and property refinancing options. The SACCO's strong financial position enables competitive rates and substantial lending limits.
Safaricom SACCO's developments incorporate cutting-edge technologies including smart home systems, high-speed internet infrastructure, sustainable energy solutions, and modern security systems. Members enjoy premium property options, streamlined digital application processes, comprehensive financial advisory, and excellent customer service. The SACCO maintains high transparency and governance standards attracting quality membership.
SACCO Details:
- Name: Safaricom Savings and Credit Co-operative Society Limited
- Address: Safaricom House, Waiyaki Way, P.O. Box 66827-00800, Nairobi
- Contacts: Tel: 0722 000000, Email: info@safarcomsacco.co.ke, Website: www.safarcomsacco.co.ke
15. Ndosha SACCO
Ndosha SACCO serves a diverse membership with focused real estate development in Nairobi and surrounding counties. The SACCO has established itself through affordable housing targeting middle and lower-middle income earners. Ndosha's real estate strategy emphasizes accessibility and value delivery to members seeking first-time home ownership.
Projects include affordable housing estates in satellite towns, serviced plots in developing areas, and small commercial units for member businesses. Ndosha SACCO provides accessible financing including low-income mortgages with minimal requirements, group lending for land purchases, construction loans with technical support, and micro-commercial property financing. The SACCO's inclusive approach welcomes members often excluded from traditional housing finance.
Ndosha's developments feature practical designs maximizing space efficiency, basic but quality construction standards, essential infrastructure provision, and security measures. Members appreciate affordable entry points into property ownership, supportive loan officers guiding first-time buyers, community-focused estate development, and transparent pricing. The SACCO provides financial education helping members understand property investment and mortgage management.
SACCO Details:
- Name: Ndosha Savings and Credit Co-operative Society Limited
- Address: Nairobi CBD, P.O. Box 45123-00100, Nairobi
- Contacts: Tel: 020 2213789, Mobile: 0712 345 678, Email: info@ndoshasacco.co.ke, Website: www.ndoshasacco.co.ke
