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Home Loan
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Home Loan

Our mortgage loan enables you to buy or build your dream house, develop property for letting as well as buying land and plots while enjoying the best mortgage rates in Kenya. We can also help you purchase and develop commercial properties.

For existing mortgage customers, you can apply for a top up of your loan with our Mortgage Plus product. Our Home Loans are available at all KCB Branches countrywide.

Benefits

Benefits

Flexible payment periods

Flexible payment periods

Borrow any amount from Kes 500,000 for home purchase or construction and repay in up to 25 years.

Financing

Financing

Access up to:

  • 90% for owner occupier
  • 80% for income generating properties
  • 70% for plot purchase.

Open to all

Open to all

Home loans are available to salaried persons, self-employed, contract persons as well as Kenyans working abroad.

Easily accessible

Easily accessible

Express interest in a KCB home loan at over 200 KCB Bank branches countrywide

Home loan top-up

Home loan top-up

If you need emergency cash, you can get a top-up of your existing mortgage and repay within the remaining term of existing loan.

How to get a KCB Home Loan

  • Employed Persons

    Please bring original and copies of

    • Pay slips for the last 3 months
    • Letter from employer confirming employment status
    • Bank statements for the latest 6 months
    • National ID or valid Passport
    • Your KRA PIN certificate
    • Three passport size photographs
    • Sale agreement duly signed by both parties and witnessed by a lawyer.
    • Title to property being purchased/charged (minimum lease term must be at least 35 years)

    Minimum requirements

    • Open a mortgage account with an opening balance of Kshs.10,000
    • A third of your basic salary is to be left to cater for your living expenses

  • Self-Employed Persons & Partnerships

    Please bring original and copies of

    • Bank statements for the last 12 months
    • Your KRA PIN Certificate
    • Certificate of Registration & Trading License
    • Partnership Deeds
    • Audited Books of Accounts
    • Income tax return
    • Tenancy agreements for rented properties/rental schedules

  • Limited Companies & Investment Groups

    Please bring original and copies of

    • Memorandum & Articles of Association
    • Certificate of Incorporation
    • Audited Books of Accounts
    • Your KRA PIN Certificate
    • Tax Compliance Certificate
    • Directors Resolution to Borrow

  • Construction

    Please bring original and copies of

    • Approved building plans
    • Approved structural drawings
    • Priced bills of quantities
    • Profiles for the architect, contractor and quantity surveyor
    • NEMA approval
    • NCA Certificate

Loan Rates and Fees*

Internal Application Fees

  • Appraisal fees at 2.5% of loan amount
  • Ledger fees of Kes 350 per month

External Application Fees

  • Legal fees
  • Stamp Duty
  • Valuation fees
  • Stamp duty on charge (0.1% of loan amount)
  • Insurance to cover life and property

Mortgage Plus Fees

  • Negotiation Fee of 2.5% of loan amount
  • Ledger Fee of Kes 350 per month.
  • Legal and valuation Fees
  • Stamp duty at 4% of cost of property or value on the open market
  • Stamp duty on charge at 0.1% of loan amount
  • Insurance premium can be financed by KCB

*Charges are not inclusive of tax

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