Home Jambo Info Banking and Finance KCB Bank Mortgage loans and Loan calculator

KCB Bank Mortgage loans and Loan calculator

A mortgage is a loan in which the property or real estate is used as collateral. The borrower enters into an agreement with the lender (often a bank) to receive a lump sum that can be invested in real estate venture and then pay back the loan and accrued interests over a given period of time.

KCB bank offers loan mortgages to customers.


KCB offers competitive rates and flexible repayments on your mortgages, helping you realize your dream of owning your own home.


  • Flexible repayment terms when assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings & children will be considered in assessing repayment ability
  • Flexible terms for construction loans
  • Mortgage Protection Insurance (MPI) cover limit up to Kes.18M without need for medical checkup, retrenchment cover and social perils cover included
  • Competitive Interest rates on your home loan
  • Access to all other KCB banking products (e.g. Overdrafts, credit cards, current, savings and investment accounts)

Standard Requirements

  • Proof of income
  • Proof that you can meet the 10% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Rates & Fees

  • Competitive interest rate.
  • Negotiation¬†Fee -2.5% of loan amount
  • Leger Fee- Kshs 350 per month.
  • Legal Fees
  • Valuation fees

Mortgage Plus

Take out a top-up loan against your mortgage for quick financing when unforeseen emergencies strike.


  • Equity release for school fees, medical emergencies or renovations.
  • Flexible repayment terms- can be spread out in line with remaining term of loan.
  • Competitive interest rate

Standard Requirements

  • Hold a mortgage facility with KCB
  • Proof of income

Rates & Fees

  • Competitive Interest rates
  • Negotiation Fee -2.5% of loan amount
  • Leger Fee- Kshs 350 per month.
  • Legal Fees
  • Valuation fees
  • Stamp duty (4% of cost of property or value on the open market)
  • Stamp duty on charge (0.1% of loan amount)
  • Insurance premium- Financed by KCB

KCB Mortgage calculator

In order to calculate, your loan, you need to have an estimated value of your house, repayment period and interest rates. To access KCB bank mortgage calculator click here.

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