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

National Bank mortgage calculator — enter your details

About National Bank home loans in Kenya

National Bank of Kenya offers competitive mortgages for civil servants and public sector employees with payroll deduction repayment. Preferential rates for government employees. Good for buyers of Boma Yangu affordable housing units and Nairobi County government staff.

National Bank mortgage rates 2026

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

How to apply for a National Bank mortgage in Kenya

National Bank mortgage requirements

Minimum salary of KES 30,000/month. Civil servants need employer letter confirming payroll deduction. KRA PIN, 3 months payslips, 6 months statements, property documents.

Step-by-step National Bank mortgage application process

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

National Bank mortgage contact details

Address: National Bank of Kenya Limited, National Bank House, Harambee Avenue, Nairobi
Phone: +254 703 087 000
Website: nationalbank.co.ke

Frequently asked questions — National Bank mortgage Kenya

What is the current National Bank mortgage rate in Kenya?

The current National 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 National Bank directly before applying.

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

National Bank 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 National Bank mortgage?

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