Use this NCBA Bank mortgage calculator to find out exactly how much your monthly payment will be for any property in Kenya. The calculator uses the current NCBA 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.

NCBA Bank mortgage calculator — enter your details

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

NCBA offers competitive mortgage rates for high-value properties. Strong diaspora mortgage products and fast processing for existing NCBA customers. USD-denominated mortgages available for USD income earners through the diaspora product.

NCBA 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 NCBA Bank before applying. Rates shown are indicative for 2026.

How to apply for a NCBA Bank mortgage in Kenya

NCBA Bank mortgage requirements

Minimum income of KES 60,000/month. KRA PIN, 6 months statements, proof of income, property documents, and valuation. Diaspora applicants need proof of Kenyan citizenship and foreign income evidence.

Step-by-step NCBA Bank mortgage application process

  1. Pre-qualification: Visit any NCBA Bank branch or apply online at ncbagroup.com 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: NCBA Bank assesses your income, existing obligations, and credit history — typically takes 1–2 weeks
  5. Formal offer letter: NCBA 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

NCBA Bank mortgage contact details

Address: NCBA Bank Kenya PLC, NCBA Centre, Mara Road, Upper Hill, Nairobi
Phone: +254 711 056 444
Website: ncbagroup.com

Frequently asked questions — NCBA Bank mortgage Kenya

What is the current NCBA Bank mortgage rate in Kenya?

The current NCBA 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 NCBA Bank directly before applying.

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

NCBA Bank offers mortgage loans from KES 1M 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 NCBA Bank mortgage?

The minimum deposit for a NCBA 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 NCBA Bank before applying for a mortgage.

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