Free calculator · Updated 2026

Kenya mortgage calculator 2026 — by bank

Calculate your monthly mortgage payment for any Kenyan bank. Compare KCB, Equity, NCBA, Stanbic, Absa, Co-op Bank, DTB and more — with current 2026 interest rates.

Select your bank

KCB Bank

13.5% p.a.

Equity Bank

14.0% p.a.

NCBA

13.5% p.a.

Absa Bank

14.5% p.a.

Co-op Bank

13.0% p.a.

Stanbic

14.0% p.a.

DTB Bank

14.5% p.a.

StanChart

15.0% p.a.

HFCK

14.0% p.a.

Custom rate

13.5% p.a.

Loan details

Property purchase price

KES

Deposit / down payment

20%

Loan term

Interest rate (p.a.) — KCB Bank

Your mortgage breakdown

Enter a property price above
to see your monthly payment

Kenya mortgage rates by bank — 2026 comparison

Bank	Rate (p.a.)	Max term	Min deposit	Max loan	Notes
KCB Bank	13.5%	25 years	10%	KES 50M	Largest mortgage book in Kenya. Flexible repayment options. Land-only mortgages available.
Equity Bank	14.0%	20 years	10%	KES 30M	Strong for diaspora mortgage products. Quick processing for salaried employees.
NCBA Bank	13.5%	25 years	10%	KES 50M	Competitive rates. Good for high-value properties. Diaspora mortgage products available.
Absa Bank Kenya	14.5%	20 years	10%	KES 30M	Fast processing. Green home mortgage product for energy-efficient homes.
Co-op Bank	13.0%	20 years	10%	KES 20M	Lowest standard rates in 2026. Competitive for salaried employees. Sacco members get preferential rates.
Stanbic Bank	14.0%	20 years	15%	KES 50M	Strong for high-value and commercial property financing. Flexi repayment options.
DTB Bank	14.5%	20 years	15%	KES 30M	Good for SME and business owner applicants. Islamic finance (Murabaha) product available.
Standard Chartered	15.0%	20 years	10%	KES 50M	Best for high-net-worth international buyers and diaspora. USD mortgage products available.
HFCK	14.0%	25 years	10%	KES 20M	Kenya's dedicated housing finance bank. Specialises in affordable housing. Tenant purchase schemes available.
National Bank	14.0%	20 years	10%	KES 20M	Strong for civil servants and public sector employees. Government payroll deduction available.

Frequently asked questions — Kenya mortgages 2026

Mortgage interest rates in Kenya in 2026 range from 13.0% to 15.0% per annum depending on the bank and product. Co-op Bank currently offers the lowest standard rate at 13.0% p.a. Rates are variable and linked to the Central Bank Rate (CBR). Always confirm the current rate directly with your bank before applying.

Most Kenyan banks require a minimum deposit of 10% of the property value for residential mortgages. Some banks require 15–20% for land-only mortgages or investment properties. First-time buyers may qualify for 90% financing on residential properties from KCB, Equity, and HFCK subject to income requirements.

Yes — KCB, NCBA, Equity Bank, and Standard Chartered all offer diaspora mortgage products for Kenyan citizens living abroad. Requirements typically include proof of Kenyan citizenship, foreign income evidence, Kenyan KRA PIN, and a local guarantor in some cases. USD-denominated mortgage products are available at Standard Chartered for USD income earners.

Standard documents required by most Kenyan banks include: national ID or passport, KRA PIN certificate, 3 months payslips or 2 years audited accounts for self-employed, 6 months bank statements, employment letter confirming salary, title deed or sale agreement for the property, and a valuation report from a bank-approved valuer.

Mortgage approval in Kenya typically takes 2–6 weeks from submitting a complete application. KCB and Equity Bank are generally fastest at 2–3 weeks. Formal offer letter is issued after approval, followed by valuation of the property. Total time from application to drawdown is typically 6–10 weeks.

This calculator is for informational purposes only. Mortgage rates, terms, and conditions are subject to change and vary by bank and applicant profile. Always confirm current rates directly with your bank before applying. This tool does not constitute financial advice. Consult a licensed mortgage broker or financial advisor before committing to any mortgage product.