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Mortgages

Your one-stop-shop for property and home loans financing solutions.

Mortgages

Type Benefits Standard Requirements

Home Loan »

We help you realize your dream of owning your own home at competitive rates and flexible repayments from anywhere in Kenya.

  • Minimum loan amount – Kshs.300,000.00
  • Maximum loan repayment period – 25 years for home or construction and 5 years for plot purchase
  • No charge on lump sum payments and early redemption
  • There is not qualifying criteria listed for this account.

Mortgage Plus »

Emergencies come unannounced and as such you seek quick financing! At KCB we offer top up loans against your mortgage for unforeseen emergencies.

  • Equity release for school fees, medical emergencies or renovations.
  • Flexible repayment terms- can be spread out in line with remaining term of loan.
  • Competitive interest rate
  • Hold a mortgage facility with KCB
  • Proof of income

Commercial Loan »

Suitable for individual or a company looking for financing to build or construct an income generating housing

  • Flexibility on disbursement.
  • Morateorium on principle- Maximum 6 months on completion.
  • Loan financing of up to 80% value of property with a repayment of up to 20 years.
  • Proof of income
  • Proof that you can meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Estate Development Loan »

Suitable for real estate developer or a prospective estate developer looking for a solid financing partner with competitive rates and flexible repayment terms.

  • Loan financing of up to 85% value of property with a repayment period of up to 24 months.
  • Advice/tailor make products to meet your individual needs
  • Link to KCB Website to showcase your property for sale
  • Proof of income
  • Proof that you can meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Special Scheme Loans »

Specially discounted loans for organizations whose employees or members wish to own a home either through straight purchase or construction.

  • Loan financing of up to 100% value of property with a repayment of up to 25 years.
  • Fixed and very competitive interest from as low as 4%.
  • Flexible terms in appraisal i.e. up to 75% of net pay considered.
  • Proof of income
  • Letter from employer confirming employment status

Investment Group Loans »

Suitable for an investment groups seeking to invest in property either straight purchase or construction.

  • Competitive interest rate
  • Loan financing of up to 80% value of property with a repayment of up to 10 years.
  • Proof of contributions month on month.
  • Proof of ability to meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Diaspora Home Loan »

Dedicated mortgage arm to ensure you get the best property investment opportunities back home for residential and commercial property purchase

  • 90% for straight purchase with a repayment period of up to 20 years
  • 80% for commercial/income generation with a repayment of up to 20 years.
  • 70% for plot purchase with a repayment of up to 5 years
  • Proof of income
  • Proof that you can meet the partial payment and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.