Kenya mortgage guide
Mortgage Finder
Estimate repayments in KSh and compare published rates from Kenyan lenders, including KMRC partner banks.
Income required assumes repayments of no more than a third of gross income, the KMRC guideline.
yearsmonthsClosest to your inputs and bank comparison
| Lender | Published rate | Terms | Monthly at your inputs | Source |
|---|---|---|---|---|
| KCB Bank Kenya KMRC | from 8.9% fixed | Campaign to 31 Dec 2026 for check-off schemes or KCB-financed projects; up to 105%, 25 years, KSh 10.5M max | — | Official page |
| HFC (HF Group) KMRC | 9.5% fixed | KMRC affordable housing; up to 90% and 20 years; 2% commitment fee | — | Official page |
| NCBA Bank Kenya KMRC | 9.5% or 9.9% fixed | KMRC affordable housing; up to 105% and 25 years | — | Official page |
| Stanbic Bank Kenya KMRC | See lender | Pegged to Stanbic prime rate; up to 105% and 25 years | See lender | Official page |
| Co-operative Bank of Kenya KMRC | See lender | Purchase, construction and equity release; KES, USD, GBP and EUR | See lender | Official page |
| Equity Bank Kenya | See lender | Diaspora residential mortgage: up to 80% and 15 years | See lender | Official page |
| Absa Bank Kenya KMRC | See lender | — | See lender | Official page |
| Standard Chartered Kenya | See lender | — | See lender | Official page |
| I&M Bank Kenya KMRC | See lender | — | See lender | Official page |
| Diamond Trust Bank (DTB) KMRC | See lender | — | See lender | Official page |
| Family Bank | See lender | — | See lender | Official page |
| KMRC (refinancer, via partner banks and SACCOs) KMRC | See lender | Fixed single-digit rates; up to 25 years, KSh 10.5M loan and 105% LTV; homes up to KSh 15M | See lender | Official page |
Rates are copied from each lender's official page and were checked on 4 Nov 2026. Rates change and depend on your profile; confirm with the lender before you apply. "See lender" means no rate is published. KMRC partner lenders
What is a mortgage?
A loan secured on the property you buy
You pay a deposit, the lender pays the rest, and you repay with interest over an agreed term. If repayments stop, the lender can sell the property. In Kenya, KMRC-backed loans offer fixed single-digit rates for eligible affordable homes.
Mortgage terms explained
Deposit
The part of the price you pay yourself, often 10 to 20 percent.
Fixed or variable rate
A fixed rate stays the same; a variable rate follows the bank's base rate.
Stamp duty
Tax paid on transfer: 4% in municipalities and 2% elsewhere.
KMRC
Kenya Mortgage Refinance Company lends to banks and SACCOs so they can offer long fixed-rate home loans.