Mortgages

Benefits

  • Flexible repayment terms when assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings & children will be considered in assessing repayment ability
  • Flexible terms for construction loans
  • Mortgage Protection Insurance (MPI) cover limit up to Kes.18M without need for medical checkup, retrenchment cover and social perils cover included
  • Competitive Interest rates
  • Access to all other KCB banking products (e.g. Overdrafts, credit cards, current, savings and investment accounts)

Standard Requirements

  • Proof of income
  • Proof that you can meet the 10% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Rates & Fees

  • Competitive interest rate.
  • Appraisal Fee-1% of loan amount
  • Leger Fee- kshs 350 per month.
  • Legal Fees
  • Valuation fees

Apply for Home Loan

Visit your closest KCB Branch. Click here to find your closest branch.
 
Please bring original and two copies of documentation below as per  business type:
 
Employed Persons
• Pay-slips for the latest 3 months 
• Letter from employer confirming employment status 
• Bank statements for the latest 6 months 
• Copy of ID or passport.
 
Self Employed Persons/Partnerships/Joint Borrowers
• Bank statements for the latest 6 months 
• Copy of ID or passport  for each individual
• Open mortgage related savings account 
• Audited accounts and balance sheets for latest 3 years
• Income tax returns and filing receipts for the latest 2 years. 
• Certificate of registration of business name where applicable. 
• Certified copy of partnership deed where applicable

Download Application Form

Contact me about Home Loan

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