Diaspora Banking


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 at competitive rates on both residential and commercial properties.

You may also top up your mortgage with mortgage plus

KCB Mortgages are available in Kenya Shillings, US Dollars and GBP to own property in Kenya. Our

mortgage financing covers: -

1. Purchase of ready built houses

2. Construction of residential or commercial properties

3. Purchase of residential plots

4. Purchase of residential plots and construction at the same time

5. Mortgage plus or top up loans on existing facilities

6. Equity release


Minimum General Requirements

1. Filled in application form- Notarized

2. Open a KCB Bank account (requirements on a separate write up)

3. Pay slips for the latest 6 months*- Notarized

4. Letter from employer confirming employment status (indicating retirement date and whether you are permanent or on contract)* Notarized

5. Bank statements for the last 6 months where your salary goes through* Notarized

6. Copy of Kenyan ID and Valid Kenyan Passport * Notarized

7. Kenya Revenue Authority PIN certificate (apply for one on the KRA website)

8. 3 passport size photos

9. Offer letter or Sale agreement witnessed by a lawyer

10. Copy of the title with a minimum lease of not less than 35 years


For Construction Cases, in addition to the above: -

· Approved Building Plans - by an Architect

· Approved Structural Drawings – by Structured Engineer

· Priced Bills of Quantities – by a Quantity Surveyor

· CVS/profiles of project team - Architect, Structural Engineer, Quantity Surveyor, Contractor, plus

registration and practicing certificates

· NEMA approval ( for multiple units)

· City Council Approval

Interested in Mortgage or have a question?