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Turn your dream home into a reality with a mortgage that offers the best with its high loan limit and affordable repayment terms

Mortgage masthead banner
Mortgage masthead banner

Turn your dream home into a reality with a mortgage that offers the best with its high loan limit and affordable repayment terms

Open the door to your dream home with a mortgage

With our financial expertise and affordable repayments, buy the home that will satisfy you and your family

Types of Mortgages

Mortgage Calculator

Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for the mortgage is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final interest rate in accordance with applicable laws and amount that can be borrowed.

Key Fees & Charges

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
Insurance (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

Eligibility & Documents


  • 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

Documents Required

  • 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).

Terms & Conditions