Use this KCB Bank mortgage calculator to find out exactly how much your monthly payment will be for any property in Kenya. The calculator uses the current KCB Bank mortgage rate of 13.5% per annum and lets you adjust the loan term, deposit, and purchase price to see your full cost breakdown instantly.

KCB Bank mortgage calculator — enter your details

KCB Bank mortgage calculator — 13.5% p.a. (2026 rate)
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Monthly payment at KCB Bank 13.5% p.a.
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About KCB Bank home loans in Kenya

KCB offers the largest mortgage book in Kenya with flexible repayment options. Land-only mortgages, construction loans, and diaspora mortgage products are all available. KCB has the widest branch network for mortgage processing across all 47 counties.

KCB Bank mortgage rates 2026

ProductRate (p.a.)Max termMin depositMax loan
Standard home mortgage13.5%25 years10%50M
Land-only mortgage14.0%15 years20%50M
Construction loan14.0%25 years20%50M

* Rates are subject to change. Always confirm the current rate directly with KCB Bank before applying. Rates shown are indicative for 2026.

How to apply for a KCB Bank mortgage in Kenya

KCB Bank mortgage requirements

Salary of at least KES 50,000/month or equivalent business income. KRA PIN, 6 months bank statements, 3 months payslips, employment letter, and property valuation report from KCB-approved valuer.

Step-by-step KCB Bank mortgage application process

  1. Pre-qualification: Visit any KCB Bank branch or apply online at kcb.co.ke to get a pre-qualification letter showing how much you can borrow
  2. Find your property: Use your pre-qualification to negotiate with sellers confidently
  3. Submit full application: Provide all required documents including property valuation report
  4. Credit assessment: KCB Bank assesses your income, existing obligations, and credit history — typically takes 1–2 weeks
  5. Formal offer letter: KCB Bank issues a formal mortgage offer letter with terms and conditions — valid for 30–90 days
  6. Legal process: Your conveyancer and the bank’s legal team complete the property transfer and mortgage registration — takes 4–8 weeks
  7. Drawdown: Funds are disbursed to the seller and your monthly repayments begin

KCB Bank mortgage contact details

Address: KCB Bank Kenya Limited, Kencom House, Moi Avenue, Nairobi
Phone: +254 711 087 000
Website: kcb.co.ke

Frequently asked questions — KCB Bank mortgage Kenya

What is the current KCB Bank mortgage rate in Kenya?

The current KCB Bank mortgage rate in Kenya is 13.5% per annum as of 2026. This is a variable rate linked to the Central Bank Rate (CBR). Rates are subject to change — always confirm the current rate with KCB Bank directly before applying.

How much can I borrow from KCB Bank for a mortgage?

KCB Bank offers mortgage loans from KES 500K to 50M. The maximum amount you can borrow depends on your income — most banks will lend up to 40% of your gross monthly income in monthly repayments. Use the calculator above to find your maximum loan amount.

What is the minimum deposit for a KCB Bank mortgage?

The minimum deposit for a KCB Bank mortgage is 10% of the property value. For a KES 5 million property, this means a minimum deposit of KES 500,000. A higher deposit reduces your monthly payments and total interest paid.

Compare other Kenya mortgage calculators

This calculator and guide are for informational purposes only and do not constitute financial advice. Always consult a licensed financial advisor and confirm current rates directly with KCB Bank before applying for a mortgage.

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