Home Loan

Invest in something concrete and move in to your own home with our 105% mortgage financing.
Some of the benefits
105% Mortgage financing
Property Owner Loan
Vacant Land Financing
Construction Financing
- Loan tenure – up to 25 years (300 months)
- Debt to income ratio – should not exceed 50% of net salary
- Minimum loan amount – Kes. 1M
- Minimum property value – Kes. 1M
- Free cover limit for loan amount Kes. 40M and below
- Interest rate is pegged to Stanbic Bank Prime Rate local currency
- Flexible repayment terms
- The bank will finance the Deposit, Stamp Duty and Legal Fees required to own the property
- Embedded insurance in the loan repayments to cater for mortgage protection, retrenchment and house insurance
- Competitive interest rates
- Access to all other Stanbic Bank solutions and products (e.g. overdrafts, credit cards, current accounts, savings account, mobile and internet banking)
- Legal fees are paid to bank appointed lawyer
- Valuation is done by bank approved valuers
- Available both to salaried and self-employed customers. Loans available both in local and foreign currency
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What you get
- Loan tenure – up to 25 years (300 months)
- Debt to income ratio – should not exceed 50% of net salary
- Minimum loan amount – Kes. 1M
- Minimum property value – Kes. 1M
- Free cover limit for loan amount Kes. 40M and below
- Interest rate is pegged to Stanbic Bank Prime Rate local currency
- Flexible repayment terms
- The bank will finance the Deposit, Stamp Duty and Legal Fees required to own the property
- Embedded insurance in the loan repayments to cater for mortgage protection, retrenchment and house insurance
- Competitive interest rates
- Access to all other Stanbic Bank solutions and products (e.g. overdrafts, credit cards, current accounts, savings account, mobile and internet banking)
- Legal fees are paid to bank appointed lawyer
- Valuation is done by bank approved valuers
- Available both to salaried and self-employed customers. Loans available both in local and foreign currency