Use this HFCK mortgage calculator to find out exactly how much your monthly payment will be for any property in Kenya. The calculator uses the current HFCK mortgage rate of 14.0% per annum and lets you adjust the loan term, deposit, and purchase price to see your full cost breakdown instantly.

HFCK mortgage calculator — enter your details

HFCK mortgage calculator — 14.0% p.a. (2026 rate)
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Monthly payment at HFCK 14.0% p.a.
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About HFCK home loans in Kenya

HFCK is Kenya’s dedicated housing finance institution. Specialises in affordable housing finance and tenant purchase schemes. Longest maximum terms at 25 years. Good for first-time buyers and buyers of affordable housing units. HF Whizz mobile mortgage application available.

HFCK mortgage rates 2026

ProductRate (p.a.)Max termMin depositMax loan
Standard home mortgage14.0%25 years10%20M
Land-only mortgage14.5%15 years20%20M
Construction loan14.5%25 years20%20M

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

How to apply for a HFCK mortgage in Kenya

HFCK mortgage requirements

Minimum salary of KES 30,000/month — lowest minimum of all major lenders. KRA PIN, 3 months payslips, 6 months statements, employment letter. First-time buyer products available.

Step-by-step HFCK mortgage application process

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

HFCK mortgage contact details

Address: Housing Finance Company of Kenya, Investment House, Kenyatta Avenue, Nairobi
Phone: +254 703 095 000
Website: housingfinance.co.ke

Frequently asked questions — HFCK mortgage Kenya

What is the current HFCK mortgage rate in Kenya?

The current HFCK mortgage rate in Kenya is 14.0% 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 HFCK directly before applying.

How much can I borrow from HFCK for a mortgage?

HFCK offers mortgage loans from KES 300K to 20M. 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 HFCK mortgage?

The minimum deposit for a HFCK 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 HFCK before applying for a mortgage.

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