Achieve your dream of owning a home in Kenya.
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  • Maximum Tenor - 20 years

    This will depend on the employment contract and the retirement age.

  • Loan to value ratio - 85%

    Value as determined by a Standard Chartered appointed valuer.

Additional Features

You will be required to open a Current Account with Standard Chartered and set up an irrevocable standing order from your foreign account to this account from which we will recover the monthly repayment to the mortgage.

Terms and Conditions apply


If you're working out of the country you can now achieve your dream of owning a home in Kenya with Standard Chartered Bank. Whether you wish to buy a property as an investment or you just want somewhere of your own to come home to when you visit our mortgages for non-resident Kenyans are the best way for you to make it a reality.

Getting started – steps to follow to take advantage of our mortgage products:
  • Once you have identified the property you wish to purchase, obtain a letter of offer from the seller or a sale of agreement. This should be signed by yourself as the purchaser and seller
  • Send an email to us ( with your mortgage requirements
  • We'll then respond to you based on your requirements and send you a mortgage application form and account opening forms for those not banking with us
  • Complete the forms and send them back to us together with the required application documents which will include the letter of offer and the sale agreement
  • Once the bank receives the mortgage application forms and the required documents, we'll do a preliminary analysis
  • If you qualify, we shall send you a banking facility letter which stipulates the mortgage terms and conditions
  • If the terms and conditions are acceptable to you, you will be required to sign and return the banking facility letter to us. If you have not already provided a copy of the title deed, we will require one at this point
  • We'll then request a Bank Valuer to value the property at your cost
  • If the valuation report is okay, the bank lawyers will then take up the process for registering the charge and transferring the property to you at your cost. Once the registration is done and the title deed is in our possession we release the funds to the seller.
  • You must appoint a power of attorney to act on your behalf in Kenya

All required copies have to be certified by a Notary Public. Where your documents are written in a foreign language, a translation signed by the Notary Public is required.

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