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Kenya Mortgage Refinance Company (KMRC)
Government-anchored mortgage refinance company that funds participating commercial banks and SACCOs to extend long-tenure home loans, especially for affordable housing.
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Verified facts
What we know about Kenya Mortgage Refinance Company (KMRC).
- Wholesale mortgage refinancer: a non-deposit-taking financial institution providing long-term, fixed-rate, concessional funds to primary mortgage lenders (banks and SACCOs); refinances Affordable Home Loans up to KES 10.5 million and Market Home Loans above that threshold Cited: kmrc.co.ke, Jul 2026
- Established 2018 as a public-private partnership, 75% private sector and 25% Government; shareholders include the National Treasury, IFC, Shelter Afrique, eight commercial banks, eleven deposit-taking SACCOs and one microfinance bank Cited: kmrc.co.ke, Jul 2026
- Regulated by the Central Bank of Kenya (CBK), with the Capital Markets Authority (CMA) providing oversight over its bond issuance operations Cited: kmrc.co.ke, Jul 2026
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