BANK

Diaspora Banking

Mortgage

Are you looking to own your dream house back home? The KCB Diaspora Mortgage, available in Kenya Shillings, US Dollars, and GBP enables you to buy ready built homes, construct residential or commercial properties, purchase residential plots and simultaneously construct.

KCB Diaspora Mortgage offers you loans with the most competitive interest rates in Kenya – Kes – 14%, USD – 10.5%, GBP – 9% and 17% on commercial properties.

You may also top up your mortgage with mortgage plus

What is required

  • Must reside abroad
  • Kenyan ID and passport *
  • KRA PIN certificate
  • Have an active KCB Bank account
  • Bank statements for the last 6 months on your salary account
  • Pay slips for the last 3 months
  • Letter from employer confirming employment status (permanent or contract basis)
  • Your country’s equivalent of a CRB certificate
  • Spousal consent (form provided by KCB)

If single have a sworn affidavit

  • 2 passport sized photos
  • Sale agreement witnessed by a lawyer (Advisable to appoint a power of attorney in Kenya to sign on your behalf). **
  • Title to property being purchased/charged (Minimum lease term 35 years) *
  • Valuation report with photographs of property being financed and/or charged together with certificate of official search from Land Registry (this will be carried out after assessing applicant)*
  • Filled in insurance form (to be provided by KCB)

Note:

* Documents should be certified as true copies by a Notary Public. *

* If earnings are in USD the sale agreement amount must be quoted in USD *

Interested in Mortgage or have a question?