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

DTB Bank mortgage calculator — enter your details

DTB Bank mortgage calculator — 14.5% p.a. (2026 rate)
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Monthly payment at DTB Bank 14.5% p.a.
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About DTB Bank home loans in Kenya

DTB Bank offers both conventional mortgage and Islamic finance Murabaha home finance products. Good track record for SME and business owner mortgage applicants. Competitive for properties along the Mombasa Road corridor.

DTB Bank mortgage rates 2026

ProductRate (p.a.)Max termMin depositMax loan
Standard home mortgage14.5%20 years15%30M
Land-only mortgage15.0%15 years20%30M
Construction loan15.0%20 years20%30M

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

How to apply for a DTB Bank mortgage in Kenya

DTB Bank mortgage requirements

Minimum income of KES 60,000/month. 2 years audited accounts for business owners. KRA PIN, 6 months statements, property documents. Islamic finance applicants need no additional documentation.

Step-by-step DTB Bank mortgage application process

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

DTB Bank mortgage contact details

Address: Diamond Trust Bank Kenya Limited, DTB Centre, Mombasa Road, Nairobi
Phone: +254 719 088 000
Website: dtbbank.com

Frequently asked questions — DTB Bank mortgage Kenya

What is the current DTB Bank mortgage rate in Kenya?

The current DTB 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 DTB Bank directly before applying.

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

DTB 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 DTB Bank mortgage?

The minimum deposit for a DTB Bank mortgage is 15% of the property value. For a KES 5 million property, this means a minimum deposit of KES 750,000. 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 DTB Bank before applying for a mortgage.

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