HFCB Kenya

HFCB Kenya (formerly Housing Finance Company of Kenya, HF Group) is a Kenyan financial services brand offering banking, mortgage and home loans, insurance, and property financing for individuals, businesses, and diaspora customers.

Key capabilities include:

• Retail and business banking: everyday personal and SME/business banking accounts and services
• Mortgage and property financing: home loans and property-backed lending, plus a Properties Marketplace for browsing verified properties
• Insurance and bancassurance for protecting family and assets, offered through HFCB Bancassurance Intermediary
• Digital banking through the HFCB mobile app and online banking for managing accounts remotely

Available on Web, Android, and iOS.

HFCB traces back to 1965, when it was founded as the Housing Finance Company of Kenya, a mortgage financier that later listed on the Nairobi Securities Exchange in 1992. It restructured into a holding company, HF Group Plc, in 2015, then rebranded as HFCB in 2026, consolidating its banking (HFCB Limited), property (HFCB Properties), and insurance (HFCB Bancassurance Intermediary) subsidiaries under one brand.

After a KSh 1.7 billion loss and a fall in bank tier in 2020, HFCB recovered through a 2024 rights issue that raised KSh 6.4 billion, nearly doubling equity to KSh 16.8 billion and restoring its Tier 2 bank status with the Central Bank of Kenya. It has also diversified from pure mortgage lending into custody, bancassurance, and SME banking, and was added to the MSCI Frontier Markets Small Cap Index in February 2025.