Some mortgage advice required

I have attached some info below to define what the Home Ownership Savings Plan is:

"Home Ownership Savings Plan (HOSP) as a savings plan established by an ‘approved institution' and registered with the commissioner for Income Tax for receiving and holding funds in trust for depositors. It is a tax-sheltered savings, plan whose main objective was to enable individual depositors to save for home acquisition or development and was introduced in Kenya in 1995. As per Section 22C (8) of the Income Tax Act, an ‘approved institution' means a bank or financial institution registered under the Banking Act (Cap. 488), an insurance company licensed under the Insurance Act (Cap. 487) or a building society registered under the Building Societies Act (Cap. 489)".

Only HFC Group offer such a plan, currently.  It looks to me to have some similarities with Endowment schemes, so it may not be a good option in your case.

Also bear in mind that Kenyan mortgage interest rates do tend to be quite high.

Do you think that there would be a way to purchase the property yourself, to reduce any issues with cash transfer, then subsequently transfer the title.  Of course to purchase property in Kenya you would have to apply for a Kenya Revenue Authority PIN.

It is not an endowment mortgage.HOSP is basically a savings plan for homeownership and offers lower interest rates as compared to traditional mortgage facilities. The desirability of this plan was primarily the tax exemptions that were extended to those saving under it.

However, the tax relief was withdrawn by the government to ostensibly increase tax collection which move is likely to affect the terms offered under said product.

There are various ways to go about it depending on what your ultimate goal is. I'm happy to help should you need further assistance.