Mortgage Finance Companies in Kenya

1. Kenya Commercial Bank (KCB)

KCB Bank is one of Kenya’s largest banks, offering a range of mortgage products including home purchase loans, construction loans, and 100% financing options for eligible customers. With a wide branch network and digital platforms, KCB provides accessible mortgage services across the country.

2. Housing Finance Company (HFC)

HFC is a specialized mortgage lender with decades of experience in Kenya’s housing market. It offers home purchase, construction, and improvement loans, with advisory services to guide customers through the process.

3. Stanbic Bank Kenya

Stanbic Bank Kenya is a key player in the mortgage market, providing flexible mortgage solutions such as home purchase and construction loans, with up to 105% financing for properties valued below KES 20 million.

4. Standard Chartered Bank

Standard Chartered Bank offers mortgage loans up to KES 100 million with repayment periods of up to 25 years. It caters to both Kenyan citizens and non-residents, providing options in multiple currencies.

5. Equity Bank

Equity Bank is a leading mortgage provider offering up to 100% financing with flexible repayment terms of up to 15 years. It serves a wide range of customers, including salaried and self-employed individuals.

6. Co-operative Bank of Kenya

Co-operative Bank provides mortgage solutions for residential and commercial property development, with repayment terms of up to 15 years. It operates through a wide network of branches and subsidiaries.

7. Citibank Kenya

Citibank Kenya offers fixed and adjustable-rate mortgages with a straightforward application process and competitive interest rates of around 12.5%. It has been a trusted mortgage provider for over 45 years.

8. NCBA Bank

NCBA Bank provides mortgage loans in multiple currencies with up to 105% financing of property value and repayment terms of up to 25 years, catering to both homebuyers and investors.

9. Absa Bank Kenya

Absa Bank Kenya offers up to 90% financing for home purchases with repayment periods of up to 25 years, providing flexible mortgage solutions for various customer needs.

10. Kenya Mortgage Refinance Company (KMRC)

KMRC is a non-bank financial institution focused on providing affordable long-term funding to banks and SACCOs, enabling them to offer low-interest, long-term mortgages to Kenyans.

11. Rafiki Microfinance Bank

Rafiki Microfinance Bank provides mortgage solutions tailored for individuals and businesses, with flexible repayment plans and a focus on accessibility for diverse customer groups.

12. Gulf African Bank

Gulf African Bank offers Sharia-compliant mortgage financing based on the Diminishing Musharaka model, with repayment terms of up to 20 years for properties in major cities.

13. Consolidated Bank

Consolidated Bank offers mortgage products with competitive interest rates, catering to both individual and corporate clients looking to purchase or develop property.

14. I&M Bank

I&M Bank provides mortgage financing for home purchases and construction, with flexible repayment terms and competitive rates, supported by a wide branch network.

15. DTB Bank

DTB Bank offers mortgage loans for home purchases, plot purchases, and construction, with repayment periods of up to 20 years and financing up to 90% of property value.