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Use this Standard Chartered mortgage calculator to find out exactly how much your monthly payment will be for any property in Kenya. The calculator uses the current Standard Chartered mortgage rate of 15.0% per annum and lets you adjust the loan term, deposit, and purchase price to see your full cost breakdown instantly.

Standard Chartered mortgage calculator — enter your details

About Standard Chartered home loans in Kenya

Standard Chartered offers USD-denominated mortgage products for Kenyan diaspora with USD income. Highest standard rate among major banks but best service for international buyers. Strong for high-value Karen, Westlands, and Runda properties.

Standard Chartered mortgage rates 2026

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

How to apply for a Standard Chartered mortgage in Kenya

Standard Chartered mortgage requirements

Minimum income of KES 150,000/month or USD equivalent. KRA PIN, foreign income proof, 12 months bank statements, property documents. USD mortgage applicants need USD income evidence.

Step-by-step Standard Chartered mortgage application process

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

Standard Chartered mortgage contact details

Address: Standard Chartered Bank Kenya Limited, Standard Chartered Building, Chiromo Road, Nairobi
Phone: +254 711 041 000
Website: sc.com/ke

Frequently asked questions — Standard Chartered mortgage Kenya

What is the current Standard Chartered mortgage rate in Kenya?

The current Standard Chartered mortgage rate in Kenya is 15.0% 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 Standard Chartered directly before applying.

How much can I borrow from Standard Chartered for a mortgage?

Standard Chartered offers mortgage loans from KES 2M 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 Standard Chartered mortgage?

The minimum deposit for a Standard Chartered 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 Standard Chartered before applying for a mortgage.