CategoriesMint Villa Housing

Why Buy Land in a Gated Community

Why Buy Land in a gated Community

“In its modern form, a gated community (or walled community) is a form of residential community or housing estate containing strictly controlled entrances for pedestrians, bicycles, and cars and it’s often characterized by a closed perimeter of walls and fences. Gated communities usually consist of small residential streets and include various shared amenities. These amenities may include only a park or other common area. For larger communities, it may be possible for residents to stay within the community for most daily activities.”

Source Wikipedia


  • Privacy – Some gated communities are tucked away in the leafy suburbs that are less populated, less conspicuous, away from noisy areas, roads with strict access to the compound. This offers a greater feeling of privacy and creating an air of exclusivity. People with children have a safe playing environment for their kids to run around and play. This also provides a real sense of a home to residents.
  • Sense of community – People living in gated communities end up developing a greater sense of community amongst them. This is because of the controlled access to the compounds. Neighbours are normally familiar with each other, they know who stays where what belongs to whom and who is a stranger this results in greater freedom in trusting and enjoying familiarity with each other.
  • Gated communities are secure – These properties offer residents security that they wouldn’t experience in non-gated communities. Furthermore, they have controlled entry that offers residents assurance of their own safety and that of their premises.
  • Amenities are available to the residents exclusively – Apart from security, another popular feature of gated communities is the exclusive facilities such as recreational facilities e.g. swimming pools, and playgrounds that the community may agree to put up in their common areas making the area attractive both to the internal and external communities.
  • Rules and codes of conduct – after investors come together in gated communities they agree on a set of rules and regulations that each one of them adheres to. These rules are important as they require everyone to take care of their homes and surrounding property, which helps to keep the appearance and value of the community up to their required standard.

Mintvilla Housing has a premium and ready for occupation gated community in Joska, that offers the comfort that comes with a gated community. Savanna Greens Estate is designed with 46 plots best suited for first-time homeowners as well as investors. The tranquillity coupled with city convenience makes it a perfect place to raise a family as it sits on the edge of the city. The property has cabro-paved roads, 3-phase electricity, reliable piped water, a perimeter wall with an electric fence, and a green area recreational for children and adults to use.

This prime property is located approximately 35kms from Nairobi, at Joska Town and is 2kms from Kangundo road exiting to your left at Joska Police station. It sits along the proposed Greater Eastern Bypass that connects Mombasa Road to the Thika-Garissa highway The project is 32kms from the Embakasi Railways Station and 35kms from JKIA.

Whether for your dream house or investment, Mintvilla Housing gives you a chance to make your dreams a reality by investing in a 1/8th acre plot and 3 bedroom master ensuite bungalow. for a price of only Ksh. 5.9M with an available instalment payment plan and flexible payment options ranging from bank financing to cash payments.

Adapted from Sources


Categoriestips & tricks

Amenities around Savanna Greens Estate

Amenities to look for before buying a home

Amenities are the link between the quality of social infrastructure and the wellbeing of residents. They add value and could potentially create a better return on investment. An amenity is a feature or benefit of a spacious property. Amenities are features such as schools, hospitals churches swimming pools and hotels.

Nowadays due to transitions in living spaces and lifestyles, people are accustomed and aspired to live in gated communities.  The primary reason for this is the availability of a gamut of facilities at one stop. New home buyers are giving priority to homes with modernity accompanied by the absolute conveniences of luxury apartments. Though most of the gated communities offer the necessities and comfort facilities, not all of them offer you all the facilities. So while you’re checking the amenities, make sure that every penny invested is beneficial.  If you’re thinking to buy a home in a gated community, the following are indispensable for your comfortable living.

Below is a list of Amenities around our Gated estate, Savanna Greens Estate:

  1. Schools

A home that’s a walking distance of your children is a blessing. You can drop off tour kids on your way to work, and you don’t have to worry about paying bus fare. By walking to and from school your kids become more alert, street smart. Lastly, since the school is nearly your children get more time and energy to do other things play. Learn a hobby do homework study etc.

  • St Peter’s ACK Church
  • Malaa Academy
  • Hillside Junior
  • Thomas Acquires Koma ranch high school
  • St consolata Academy Malaa
  • Brookshine School
  1. Hotels
  • Eastern Ark Hotel
  • The Last Village
  • Katani Resort
  • Wonderland Resort, Koma Hill
  • Mathi Holiday Resort
  • Zaburi Conference and Retreat Nairobi
  • The Rustic Residence
  • Soipogh Getaway Resort
  • The Isabella
  1. Hospitals

When we are young and healthy, we do not think about the health facilities around us. But, as we age, we face a natural decline in health and start thinking about the health facilities around us.  Your health may decline due to lifestyle factors, or you may face health issues just randomly. So, it is essential to living near a hospital so that you can access premium healthcare facilities.

Keeping in mind the same reason, nowadays people look for properties near hospitals, and they are willing to relocate. They like to choose areas where they can easily access hospitals, medical specialists, and other significant infrastructures. There are many benefits of living close to healthcare facilities. Let us look into some of them.

  • Bahati Hospital
  • Ruai Family Hospital
  • Kangundo Level 4
  • Bristol Park Hospital
  • Aga Khan University Medical Center
  1. Churches

For most of us, it’s easier to be a meaningful part of the church gathered—and to partner with the rest of the church scattered—when we live in the same community where our church’s building is located. There are several churches available around Savanna Greens Estate.

  • SDA KBC Church Malaa
  • PCEA Malaa
  • Vessels of honour CCI Malaa
  • Mosque Masjid Hidaa Malaa
  • St Tobias Catholic Church
  • Revival Missions Church
  • Male Covenant Renewal
  • Royal Life Ministry Church

If you are searching for the best and convenient gated community, your scroll ends here! The above mentioned essential and fancy amenities are waiting for you in Savanna Greens Estate.


Why Consider getting a mortgage


Owning a home is more than hype; It is the gateway to long- and short-term financial success. In the long run you will build a nest of equity, and in the short run you will be able to take advantage of potential tax deductions and pay yourself instead of paying your landlord’s monthly rent. A Mortgage Makes Homeownership Affordable: Because you can spread your mortgage payments over many years, the amount you will pay monthly is more manageable and affordable! Traditionally, when people take out their first mortgage, they tend to choose a 25-year term.

Mortgage interest rates tend to be lower than any other form of loan because the loan is secured by your property. This means that the bank or building organization has a guarantee that if things go wrong and you cannot return it, there is still something of value – your property – to sell to pay for part, if not the entire mortgage.

Achieving homeownership made easy.

Mintvilla housing has partnered with KCB Ltd. to help you with house and plot financing of up to 90%. With this mortgaging you can buy a home without having the full price in cash. This means that you will still have money to make other investments and cater to your everyday needs.

  1. Security

When getting a mortgage, you also get yourself a Mortgage Protection Insurance (MPI) depending on the amount of mortgage, the age, and occupation of the buyer. This means that the bank bears the larger share in case of any risk to your homes such as sudden death or illness. And the best part of this MPI is that it runs the same period as the mortgage period.

  1. Affordability (Cheaper)

Paying for something you’ll eventually own is way cheaper than renting.

If you get a mortgage and pay consistently, the bank will view you as trustworthy. You will therefore be eligible to get another loan with lower interest and make another investment.

  1. Longer repayment periods  

KCB bank gives you up to 25 years of repayment depending on your various factors such as age, occupation, etc.

  1. Non-resident Kenyans are eligible

KCB gives home loans to Kenyans living outside the country. They can buy a house as an investment or a place to stay. And there is a choice of currency either cash or Kenyan shillings.


Tips on How to move on a budget

You’ve just found your dream and plans are underway to move in, but there’s one problem, however. The moving service looks set to cost you an arm and a leg hence immediately killing the enthusiasm that comes with moving into a new home.

As much as hiring a moving company comes a long way in easing all the logistics, it can sometimes prove to be a difficult affair pocket wise. Here are a few tips to facilitate moving into a new house on a tight budget.

Assess your budget

Knowing your budget and prioritizing to stick by it ensures you won’t break the bank to spend more than what you already have. What amount of money are you willing to set aside with regards to moving? That should be a key question as your moving budget also affects the repairs or enhancement budget of your new house.

Weigh in your options

Sketch all your preferred options and critically decide what best suits your immediate need. That includes laying all the options which include hiring a moving service or practising some do it yourself methods for the same. While hiring a moving company will massively be efficient in helping settle down into your new home, Do it yourself methods will cut the expenses that come with moving.

Use what you have

Boxes are the building block of any moving procedure. Purchasing a whole lot of boxes to facilitate moving can only be an expensive affair. By virtue of boxes being an easily available commodity, take it upon yourself to find them for free from stores that would want to dispose of theirs or get some from friends. You can also use sheets and blankets as packaging materials by employing them as wrappers to cover other home items.

Take only what you needss

Moving with all your commodities can negatively affect your limited moving budget. It is therefore essential to have a priority list ranging from the most important commodity to the least important. You can then donate or turn all the unnecessary stuff in for cash. That will therefore reduce the moving cost if you’re hiring a moving company.

Moving with a minimal budget can also be made possible by having friends and family help you in packing, moving and finally unpacking when in the new house. It can be quite difficult to convince someone to help you can’t dismiss reaching out to a person or two for a favour.

Moving can be a nerve-wracking experience especially if you want to do so on a budget, but being creative and getting out of your comfort zone will come in handy in helping you out.

CategoriesMint Villa Housing

4 Home improvement tips to consider

Regardless of the condition of the house, you’re about to move into, there’s always a nagging urge to make it better or rather customize it to befit your standard and quickly feel at ‘home’. Getting every aspect of your home improvement right or having a clear plan regarding what you want plays a significant role in saving both time and money.

Here is a compilation of top home improvement tips to guide you through the process.

Have a plan

Starting any major or minor home improvement project without a plan is simply suicidal. A plan helps you lay bare all the structures and processes to make the whole project a success. An unplanned project causes nothing but chaos in between the project leading to work exchanging hands mid-project which can negatively influence the face of the final product. That goes without mentioning that the changes in the cost of materials and design.

Tackle the simple/Quick tasks first

It might take ages to complete a major overhaul or a marquee project in your home due to some underlying factors such as finances. It is therefore advisable to start with low budget projects or those that will take the shortest time to complete. That saves time and money. Have a priority list with regards to the changes you want to be made and start working with the most urgent while preventing damage to the rest of the space.

Make wise Financial Decisions

Budget plays a significant role in any remodeling project. It’s essentially decided by the quantity of the job or the quality of the materials being used. The perfect way to monitor your finances would be by doing thorough research on the project and comparison of prices while purchasing equipment to facilitate the repair or remodeling. Should the cost of a repair be way cheaper than a complete overhaul chose the previous and vice versa.

Try some DIY

A lot of households are embracing the do it yourself method of improvement. Not only does DIY help you to cut costs but it also gives a unique sense of belonging and pride have played a key role in making your home better. If you’re a beginner, you can employ the use of home improvement books or watch the numerous DIY home improvement videos on YouTube. While at it, however, take good care of yourself by having the right work gear and equipment to avoid injuries and accidents.

Home improvement should be an interesting endeavor rather than frustrating, so while at it, have fun!


What is mortgage fraud & how to avoid it

Mortgage offers a lifeline in helping people buy their dream homes. The flexible paying plans always beat the pay in cash method which sees more and more people getting away from it. In trying to purchase your dream home and live your best life, one might be tempted to undertaking unethical issues to cut themselves the best deal.

Mortgage fraud can be facilitated by both parties involved in the homeownership process. That includes the lender and also the borrower. It can be termed as a fraud once either or both the lender and the borrower omit key facts and figures regarding the deal. While striving to find yourself the perfect home it’s significantly important to avoid being the victim or perpetrator of mortgage fraud.

Here are a few types of mortgage fraud schemes to avoid.

    Occupancy fraud – this is whereby the mortgage applicant provides false information regarding his true intention with the property. They claim the property would be their permanent residence yet they plan to rent it out.

    Home appraisal fraud – it requires both parties to participate and it involves illegally inflating the value of the property.

    Employment income fraud – this occurs when the applicant provides false income to get more mortgage funds.

Want to avoid this kind of mortgage fraud? Here are a few ways to do so

Be honest on your mortgage application

Providing accurate information on your mortgage application goes a long way in protecting your assets or providing you with a date with the authorities. You might be forced to repay the whole loan and in some cases, the lender would have to take back your home.

Read and understand every document before signing

The excitement of purchasing a new home might sometime bring forth a lot of pressure and naivety, therefore, blinding you from key facts on the documents. It’s essential to have a deep look into the documents and seek advice clear any doubts. Don’t sign anything until you’re comfortable enough to do so.

Inspect the property

Have a property inspector of your choice thoroughly inspect the property. That might lead to uncovering of some underlying damages may be missed or hidden by sneaky sellers. That helps you get the best mortgage deal in terms of paying for the true value of the property.

Do intensive research or get referrals

Buying a house is a big deal and shouldn’t be taken lightly. It is only fair for you to do intense research before committing or getting referrals from friends and family who have been there before. It comes in handy to talk to someone who has been there before.

In a space that contains a lot of honest mortgage providers and the opposite alike, it’s important to be extra cautious to avoid falling into such traps.

CategoriesMint Villa Housing

Getting a mortgage in Kenya

A mortgage is a loan provided by financial institutions, mostly banks to help home buyers purchase a home. One of mortgage’s biggest advantage is that you get to own a bigger chunk of your property every time you make a mortgage payment. The property in hand acts as the collateral of the loan.

Most lenders will require you to pay an initial twenty percent of the value of the property before going on to pay instalments as agreed with your lender. In the ever sprawling Real Estate market in Kenya, mortgages have come in handy in helping home buyers buy homes efficiently and affordably.

Here are the two types of mortgage plans offered in Kenya

Fixed Mortgage rate

This is often regarded as the most secure yet most expensive mortgage plan offered in Kenya. This alludes to the fact the interest rate is fixed hence doesn’t change throughout the payment plan of your loan. One of its greatest undoings, however, is that the interest rates might fall but you’ll still have to honour your commitment, it, however, protects you from increased interest rates during repaying your loan.

Floating rate mortgage

As the name suggests, a floating mortgage rate is solely dependent on the fluctuating rate of the credit markets. Your loan payment plan is therefore poised to go up and down based on how the credit market is performing.  It is, therefore, a double-edged sword as you can either have a high payment mortgage or the vice versa.

What you need to get a mortgage in Kenya

Many mortgage providers have varying requirements to facilitate a mortgage application but these are the basic requirements asked by most financial institutions in Kenya to get one;

    Evidence of income

    Proof that you can take care of underlying fees e.g., legal fees

    Proof that you can get a percentage of the financing to get the loan

    Original copies of your identification documents, ID or Passport

    A signed mortgage application form

p.s the above information ranges from one lender to another.

The application process involves applying for the mortgage-backed by all the necessary documentation needed. The application will then be processed and if it meets the lenders’ bare minimum, they will make an offer showing all the terms of the mortgage. You will then provide your collateral and the initial amount then the bank will cater for the rest of the amount borrowed.

Getting a mortgage plan comes a long way in financing a move into your dream home but while at it, never shy from seeking any valuable advice to avoid any issues in the future.


Tips for choosing the best investment properties

Property ownership offers one of the best investment choices one can yearn for. It all narrows down to return of investments that are unmatchable to any other sector. Getting the right type of property to invest in is absolutely essential in making all your labour bears fruits in the long run or near future.

Here are some tips to help you spot the right property to invest in saving you the hustle of finding one or potentially living with stress and heartache of making the wrong choice.

Invest in what you know

Having prior knowledge on an investment choice you are about to commit is brutally critical. It not only helps you avoid making the wrong decision but also gives you the solid foundation of getting you numbers right and knowing what to expect in future. In case there’s a great interest with minimal knowledge, never shy away from getting professional advice regarding your next move.

Future Developments

Have a wind of what is going on development-wise in and around the area you’re about to purchase a property. Future developments in the area tend to influence returns in two ways. One, it can hike the property prices if there’s a lot of infrastructural development going on in the vicinity, but a property boom in the area also offers competition to the property you have just purchased.

Check the condition of the property

High maintenance cost can end the race before it even starts. You have to ensure that the property you’re about to purchase is in good condition and a massive chunk of money won’t be needed to get the property in the right shape. If the property is in good condition, maintaining that is key to ensure that its market value appreciates instead of the opposite. Hiring a property manager would be a great idea if doing so yourself proves to be a cumbersome task.

Understand the market Dynamics

Do as much groundwork as possible. The dirty work will help you understand and have all the market dynamics on your fingertips. Talk with the locals, Real estate proprietors in the area and even visit other properties in the area. It comes a long way in helping you know the demographics, the property market value in and around the area and an average appreciation rate. You will therefore have a clue of what to expect in the near future.

Finally, be informed and don’t shy away from seeking information from reliable sources. Making a property investment choice ranks up there among other key choices one has to make in life.

CategoriesMint Villa Housing

Should you buy in cash or Mortgage?

You’ve just settled on a property and its now the key moment whereby you’re just about to buy your dream home. But there’s a hitch, you are torn between buying the house in cash or financing the deal through mortgage payment. We are going to look at some pros and cons of both to help you decide on which is the most preferable method for you.

Cash makes you an Attractive Buyer

It is no secret that every seller would be attracted to a cash deal as it not only makes the deal sweeter but also closes the deal earlier and with ease which is the ultimate dream of every party involved. This is partly because the process of applying for a mortgage can sometimes be time-consuming with no assurance of the process going through.

Cash makes you stress-free over mortgage payments

While buying a house in cash makes you an instant homeowner, a mortgage payment plan takes a whole lot longer before you can finally become a homeowner. That’s without mentioning that most mortgage plans take a lot of time (years) before one can completely finish his last mortgage payment. Paying for your house in cash or paying your mortgage early can be a smart move in giving you the homeownership feeling.

Is Mortgage Better?

A mortgage payment plan offers liquidity as one is only required to put little money upfront with your bank financing the remainder of the cost. You, therefore, get to tie a lot less money to a single asset compared to the amount one foregoes when purchasing an asset in cash.

Mortgage offers flexibility

Unlike someone who has purchased his home in cash, the one with a mortgage plan is able to increase in investments by putting his money in other projects as the bank takes care of the house. This means that the mortgage plan makes you more liquid and won’t massively cut your cash flow.

Ultimately, your mortgage planner can also improve your credit score when payment is completed on time. That provides you with a trustworthy face before the eyes of bankers therefore making it quite easier for you to access more loans in future while chasing another investment.

All the payment plans above play a significant role in the number of returns you will get in future. A Mortgage plan has an upper hand with regards to better returns on investment but the bulk of the decision has to be guided by your flexibility and what will make you comfortable in the long run.

CategoriesMint Villa Housing

How to find your dream Home

Planning can make finding and choosing your dream home to be an adventurous and an interesting task, but on the flip side, a lot of potential homeowners spend hours and hours of performing a task that they find tiring and draining in an effort to find a place to call home.

Luckily enough the guide below can make what some find to be a daunting task become a lot easier. Here are some few tips to help you find your dream home with ease.

Have a preference list

What are the core ‘ingredients’ that make a house your dream home? What are your absolute must-haves in a home to make it livable? It might be an open plan kitchen, a garage, a swimming pool or even a garden. These are the things that you consider a necessity in any home you’re planning to visit. Writing them down will help you get rid of the homes that don’t meet the criteria hence saving countless hours and money that would have been used in making visits and assessing the homes.

What’s your ideal location?

Your potential neighborhood plays a significant role in choosing your perfect home. This is because the neighborhood determines the cost of the house and also how you and you’re family will spend valuable outdoor time or perhaps offer the perfect environment where your children will grow.

While scouting for the ideal location, it’s essential to shift your focus on the social or key amenities available near what might be your future home. Do your homework on where the school or the hospital is located, the social clubs or even the commute distance to your place of work.

Work out your budget and stay within it.

Finances are often overlooked when potential homebuyers are making decisions yet it’s one of the key decisions pertaining to the purchase of your dream home. Having a budget and sticking with it not only makes home hunting a manageable process but also makes settling into it even better.

Have a budget line, work within it and strive not to cross it. If you’re working with a good real estate agent he or she will make good recommendations within the budget, therefore, saving a lot of time visiting houses your budget can’t comprehend.

After finding your dream home don’t rush to make the purchase, you can always have another look and another look to convince yourself enough times as that is a long term investment you’re about to close.

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Suite 702, 7th Floor, Trance Towers, Tsavo Lane, South B Nairobi, Kenya



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