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

Equity Bank mortgage calculator — enter your details

About Equity Bank home loans in Kenya

Equity Bank offers mortgages for salaried employees, business owners, and diaspora Kenyans. Quick processing for salaried staff. Diaspora mortgage products available for Kenyans living in the US, UK, Canada, Australia, and Europe.

Equity Bank mortgage rates 2026

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

How to apply for a Equity Bank mortgage in Kenya

Equity Bank mortgage requirements

Salary of at least KES 40,000/month. KRA PIN, 6 months statements, payslips or 2 years audited accounts, employment letter, and property documents. Diaspora applicants need proof of foreign income and Kenyan citizenship.

Step-by-step Equity Bank mortgage application process

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

Equity Bank mortgage contact details

Address: Equity Bank Kenya Limited, Equity Centre, Hospital Road, Upper Hill, Nairobi
Phone: +254 763 000 000
Website: equitybank.co.ke

Frequently asked questions — Equity Bank mortgage Kenya

What is the current Equity Bank mortgage rate in Kenya?

The current Equity Bank 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 Equity Bank directly before applying.

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

Equity 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 Equity Bank mortgage?

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