Ordinary Home Loan

Our home loans give you the opportunity to buy your own property. Our 105% Mortgage financing solution just made this easier. It caters for 100% sales price plus the closing cost i.e. stamp duty and legal fees to facilitate home ownership. With this product, you can now buy an existing, developed residential property and get up to 105% financing.

What it offers you?

Get up to 105 % financing

  • Up to 105% finance for purchase of a single dwelling residential properties below Ksh 20 million
  • Up to 100% finance for construction of single residential house below Ksh 20 million
  • You must be a salaried individual with a minimum gross salary of Kes. 100,000
  • Maximum Loan tenure – up to 20 years.
  • Debt to Income Ratio : Not exceed 50% of Net Salary
  • Minimum loan amount : KShs 1 million
  • Minimum property value – Kshs 3 million
  • Free cover limit: loan amount of KShs 30 million and below
  • Only available in Local Currency
  • With our access mortgage feature, you can make lump sum deposits and withdrawals on your Home Loan account at no cost
  • Embedded insurance in the loan repayments
  • Approval is within four days after we get all your documents
  • We have a dedicated call centre to help you through the home loan application process
  • Competitive variable interest rates linked to our base rate

Get 90% financing

  • The loan amount should be at least KSh1 million
  • Minimum property value of Kes. 3 million
  • Home loans are available to both salaried and self-employed individuals
  • Available to both local and Diaspora customers
  • We finance up to 90% of the value of the property or the sale price, whichever is lower
  • The maximum loan repayment period is 20 years
  • Our access mortgage feature allows you to make lump sum deposits into and withdrawals from your home loan account at no cost
  • Approval is within four days after we get all your documents
  • We have a dedicated call centre to help you through the home loan application process
  • Competitive variable interest rates linked to our base rate
  • Credit life protection insurance is included in your loan repayments
  • Available in all major currencies

 


 
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