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Use this Absa Bank mortgage calculator to find out exactly how much your monthly payment will be for any property in Kenya. The calculator uses the current Absa Bank mortgage rate of 14.5% per annum and lets you adjust the loan term, deposit, and purchase price to see your full cost breakdown instantly.

Absa Bank mortgage calculator — enter your details

About Absa Bank home loans in Kenya

Absa Kenya offers a Green Home Mortgage product with preferential rates for energy-efficient homes. Flexi repayment options allow lump-sum payments without penalty. Good for buyers of off-plan properties from major developers.

Absa Bank mortgage rates 2026

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

How to apply for a Absa Bank mortgage in Kenya

Absa Bank mortgage requirements

Minimum salary of KES 50,000/month. KRA PIN, 3 months payslips, 6 months bank statements, employment confirmation, and property valuation from an Absa-approved valuer.

Step-by-step Absa Bank mortgage application process

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

Absa Bank mortgage contact details

Address: Absa Bank Kenya PLC, Absa Towers, Loita Street, Nairobi
Phone: +254 711 227 000
Website: absa.co.ke

Frequently asked questions — Absa Bank mortgage Kenya

What is the current Absa Bank mortgage rate in Kenya?

The current Absa Bank mortgage rate in Kenya is 14.5% 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 Absa Bank directly before applying.

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

Absa Bank offers mortgage loans from KES 500K to 30M. 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 Absa Bank mortgage?

The minimum deposit for a Absa 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.

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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 Absa Bank before applying for a mortgage.