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  • Enjoy

    loan amounts up to KES 100 million

  • Up to
    25 years

    tenor. Maintain your lifestyle while working towards your dream

  • Available in

    currencies such as KES and USD *T&C’s apply


Home Purchase

Take advantage of our home purchase loan to own your own property. You can borrow up to KES 100 million, with up to 100% financing and a long tenor of up to 25 years

Equity release

Our mortgage deal allows you to borrow higher loan amounts and use your existing property as collateral

Top up

Get access to a loan based on the amount settled from the mortgage after 24 months

Construction Mortgage

If you already own a piece of land we will finance you to build your dream home.
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Facility arrangement fee 1% of loan amount (Minimum KES 10,000)
Legal costs This is based on the applicable legal fee scale
Stamp duty Subject to the prevailing land laws in Kenya
(this includes Fire protection and credit life insurance as applicable).
Premium is based on the insurance option selected by the client
Valuation fees Subject to the applicable valuer fee scale as per law.
Other charges As per Fees & Charges Guide

  • Kenyan citizens, permanent residents and expatriates
  • Minimum age 21
  • Salaried customers meeting all the specified requirements
  • Employees and Directors of reputable companies and well established SMEs who are purchasing a residential property for owner occupation. (Must have demonstrable and verifiable monthly income for the past12 months)
  • Professionals and Consultants who earn a regular monthly income and are purchasing a residential property for owner occupation
  • Completed and signed application form
  • Certified copies of last 3 pay slips
  • Certified letter from employer stating terms of employment
  • Certified copy of ID / passport
  • Copy of PIN certificate
  • Sale agreement
  • Documentary evidence of any other income
  • Certified copies of bank statements for 12 months (for non-Standard Chartered customers)
  • 3 colour passport-sized photos (for non-Standard Chartered customers)
  • Copy of title deed
  • For a Mortgage Transfer, Mortgage statement for the last 6 months
  • Requirements may be more or vary for Kenyans residing out of the country

A mortgage is a loan advanced to the customer by the bank towards the purchase or construction of a property. The customer provides the bank with his / her property as a security

A variable interest rate is where the interest rate changes from time to time based on the prevailing economic environment.

Yes. The bank allows you to make lump sum payments into your mortgage loan account. You however need to advise us whether you would like the amount to be applied as a capital repayment.

There is an arrangement fee that the customer is expected to pay upon acceptance of the loan. It is 1% of the loan amount (minimum KES 10,000.00)

Valuation fees: This is paid to the valuers for the valuation of the property and is based on the value of the property.
Legal Fees: This is paid to the advocates for the preparation and registration of the security documents for the loan. It is based on the loan amount.
Stamp Duty: This is paid to the commissioner of lands for the registration of the transfer on the ownership of title documents on the property. It is based on the price of the property or the value of the property as determined by the Government Valuer.
Fire insurance: This is insurance cover taken on the property to cover against fire. Premiums are paid annually to the Insurance company providing the cover and it is based on the value of the property.
Life insurance: This is insurance cover taken to cover customer in the event of death or permanent disability while servicing the loan. It is paid annually and is based on the outstanding loan balance.

No, as a customer, you have the option to chose your Insurance Provider (subject to the Bank’s approval).