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

Stanbic Bank mortgage calculator — enter your details

About Stanbic Bank home loans in Kenya

Stanbic Bank offers competitive rates for high-value and commercial property financing. Business owners and self-employed applicants are well served. Flexi repayment allows lump-sum capital payments. Islamic finance (Murabaha) home finance product available.

Stanbic Bank mortgage rates 2026

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

How to apply for a Stanbic Bank mortgage in Kenya

Stanbic Bank mortgage requirements

Minimum income of KES 80,000/month or equivalent business income. 2 years audited accounts for self-employed. KRA PIN, 6 months statements, property documents, valuation.

Step-by-step Stanbic Bank mortgage application process

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

Stanbic Bank mortgage contact details

Address: Stanbic Bank Kenya Limited, CfC House, Mamlaka Road, Nairobi
Phone: +254 711 222 200
Website: stanbicbank.co.ke

Frequently asked questions — Stanbic Bank mortgage Kenya

What is the current Stanbic Bank mortgage rate in Kenya?

The current Stanbic 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 Stanbic Bank directly before applying.

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

Stanbic Bank offers mortgage loans from KES 1M to 50M. 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 Stanbic Bank mortgage?

The minimum deposit for a Stanbic 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.

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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 Stanbic Bank before applying for a mortgage.