financing
100% for the house, plus 5% for valuation, legal fees and stamp duty. Walk in with your ambition — that’s the deposit.
THE DOORIS OPEN.
0.0%
Kenya’s lowest mortgage rate — fixed for the entire life of your loan, 15 May to 15 September 2026 only. Not a teaser. Not a float. A promise, in writing.
Come closer.
Step inside.
14–18%
8.9%
Fixed. For life. In writing. While the market floats between 14% and 18%, KCB holds at 8.9% per annum until your very last repayment.
Numbers you can
build a life on.
maximum loan
Enough house to grow into. Apartment, maisonette or bungalow — you choose the postcode.
maximum tenure
Up to 25 years for the salaried, 15 for the self-employed. Spread it out. Breathe.
facility fee
A concessionary one-off during the campaign window. Less friction between you and the keys.
From one SMS
to your own front door.
01 Say the word
SMS “Mortgage” to 22522 or call 0711 087 000 / 0732 187 000.
02 Get sized up
A quick affordability check — your repayments must fit within two-thirds of your monthly pay.
03 Value the dream
A KCB-approved valuer confirms the property is worth every shilling.
04 Take the keys
Up to 105% financed at 8.9% fixed. The door swings open.
Built for real
Kenyan paycheques.
Up to 25 years
Long-haul tenure that keeps monthly instalments humane.
SalariedUp to 15 years
Your hustle counts. Business income qualifies you too.
Self-employedFits your salary
Mortgage plus deductions stay within two-thirds of monthly pay — for business owners, within 30–40% of turnover.
The ⅔ ruleClean credit
A clean credit history and a KCB-approved valuation, and you’re in.
Good standing8.9% won’t
wait forever.
The campaign closes on 15 September 2026. After that, the lowest mortgage rate in Kenya goes back where it came from.
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KNOCK.
The door is open until 15 September 2026. Here’s the handle.