About Us

Specialist Team

ANM Consultants are an associated team of specialists based in East and West Africa with over two decades of Sub Saharan Africa expertise and experience from development advisory, capital structuring and raising, architectural and quantity surveying services, project and development management, to asset and fund management.

Unique Expertise and Experience

We have gained this combined unique Africa real estate investment experience by being on the ground working for leading local, international, and global firms. We have been responsible for and involved in key developments in East and West Africa, from both the development and funding sides, which gives us our unique understanding of the complete real estate assembly and disposal process, a process which is largely disintegrated in our market.

Access to Dominant Transactions

We have extensive contacts in the sub Saharan Africa real estate industry with architects, engineers, quantity surveyors, development and project managers, contractors, land owners, lawyers, estate agents, property managers, valuers, bankers, and fund managers; giving us access to first options on dominant transactions and in assembling opportunities creating a transaction pipeline.


Natasha Mutai

Natasha Mutai has over 20 years’ experience in the real estate sector in Eastern Africa. She has been a team leader responsible for a diversified range of real estate transactions in the region from real estate finance (equity and senior debt) and asset management to project development and property development advisory for various international and corporate clients; has served as a board member for a number of institutions and lectured at the University of Nairobi for several years.

More recently, she has been responsible for deal origination and evaluation, managing client and partner relationships, to monitoring and reporting on the implementation of projects for sub Saharan Africa property funds.

Ms. Mutai holds a BA Building Economics degree from the University of Nairobi, Kenya, and a Master of Construction Management degree from the University of New South Wales, Sydney, Australia. She is a registered Quantity Surveyor in Kenya and a founding member of The Institution of Construction Project Managers of Kenya.


Alexander Mutai has over 15 years experience in Quantity Surveying practice in Eastern Africa, and has been the lead Quantity Surveyor in a diversified range of landmark projects such as Two Rivers Mall, Two Rivers Infrastructure, Sanlam House, Deerpark Housing, Windsor Park, Crystal Edge Apartments among others.

He has previously held the position of Vice Chairman of the Architectural Association of Kenya, Registrar of the Architectural Association of Kenya, Vice Chairman of the Kenya Rugby Union, Director of the Joint Building Council among other directorships. He was among the Business Daily's Top 40 Under 40 Men in 2014. He is a Registered Quantity Surveyor and Member of the Architectural Association of Kenya, the Institute of Quantity Surveyors of Kenya and the Chartered Institute of Arbitrators.

Alexander Mutai

Contact Us

Contact Info


P. O. BOX 1410-00606

Mobile: +254 733 788000
+254 709 510242
Landline: +254 20 374 2030
Nov 21 21

Options for Coping With Debt. This factsheet gives an overview of exactly how each alternative


Options for Coping With Debt. This factsheet gives an overview of exactly how each alternative

This factsheet offers an introduction to just how each solution functions and how it could affect your if you decide to choose one of the solutions. For additional precisely each solution, go to the certain factsheet.

Dining table of Contents

  • Debt possibilities
  • Bankruptcy Proceeding
  • Debt Relief Purchase (DRO)
  • Individual Voluntary Plan (IVA)
  • Loans Administration Strategy (DMP)
  • Casual Plan
  • Financial obligation Write-off
  • Complete and Last Payment Present
  • Debt consolidating and Integration Financial Loans
  • Equity Launch
  • Retirement Production
  • Prior to deciding on any debt possibilities, information NI recommends speaking-to a qualified loans agent to go over all the routes accessible to you. You are able to contact the free and private guidance NI personal debt helpline on 0800 915 4604 – outlines become available Monday to Friday, 9am – 5pm

    1) personal debt available options

    Each personal debt choice will apply at most types loans – exclusions become student education loans, court fines, maintenance arrears, son or daughter support arrears or credit established through fraudulence. Specifics of each solution can be recorded on your credit file for six ages that will end up in issues in obtaining potential credit. If you plus creditor accept to these possibilities, creditor get in touch with stop, excluding paperwork the collector must send you as defined inside the credit work 1974.

    Specific choice, eg bankruptcy proceeding or a debt settlement Order could impact recent and future occupations, primarily in the event that you operate in a monetary ecosystem or in a public company such as the Civil provider. Information on the debt arrangement could be taped regarding individual Insolvency sign-up which is prepared for the general public.

    2) Personal Bankruptcy

    Bankruptcy proceeding try a legal, court-based procedure and is also a kind of insolvency open to those homeowner in north Ireland. It’s generally speaking a good option once you have set property and rent out your residence. Possible petition on your own bankruptcy or a creditor can make you involuntarily bankrupt should you decide owe all of them ?5,000 or even more.

    You truly must be in a position to prove to the legal that you’re incapable of pay the money you owe while they fall due and this your situation try extremely unlikely to enhance in the foreseeable future. It is vital that you even be able to shell out the bankruptcy fees whenever applying.

    Most people are released using their credit after 12 months but details of the bankruptcy arise on your own credit file from big date of bankruptcy proceeding order. All assets including house, land, vehicle and cost savings is generally advertised within the personal bankruptcy and you may probably need certainly to open up a new banking account as the existing any shall be suspended. For those who have surplus income you will be anticipated to shell out this in the bankruptcy for 36 months.

    3) Debt Relief Purchase (DRO)

    a debt settlement Order is actually a proper agreement produced between an individual as well as their creditors. It’s lawfully binding and prevents creditors from getting additional activity against you to definitely recuperate your debt. The money you owe are composed down after one-year (should you meet the requirements for all the complete 12 month cycle) providing you with a brand new begin. You are able to merely make an application for a DRO through an intermediary that is an approved loans adviser and has now the necessary amount of tuition and feel to advise you.

    For a credit card debt relief Order become a choice for you personally, your financial situation must complete considerably that ?20,000 and you must not obtain any homes or area. The car ought to be worth below ?1,000 and all sorts of various other possessions you own also needs to perhaps not meet or exceed. ?1,000.

    This method just relates to north Ireland residents with not as much as ?50 a month surplus earnings nevertheless must certanly be able to afford the ?90 fee for a DRO.

    4) Specific Volunteer Arrangement (IVA)

    Somebody volunteer Arrangement are a lawfully binding contract between your lenders. This contract allows you to payback what you could pay for towards your credit. Any staying obligations are going to be authored down by the creditors when the plan provides done.

    An IVA tends to be developed in lot of different ways. It could be a month-to-month instalment strategy predicated on their surplus income over a hard and fast name (ordinarily five years). As an alternative, possible recommend a short-term arrangement if you have an asset that may be offered, or a third-party have a lump sum to offer creditors, for you. An IVA could be a combination of both instalments and a lump sum.