Home Loan

Owning a home just got easier.

If you are looking to buy your own house, then our Home Loan is specially designed for you. Visit any of our branches and set off on the course to living your dream. 


Requirements for Employed Persons

  • ID/Passport copies
  • KRA PIN Copy
  • 3 months payslips
  • 6 months salary bank account statements
  • Letter from employer


Requirements For Self-Employed Customers

  • ID/Passport copies
  • KRA PIN Certificate
  • 3 years audited books of account
  • 1 year bank statements
  • Certified copy of partnership deeds (for partnerships) and Rental schedules (for landlords)



  • Up to 90% financing of the selling price or value
  • Maximum loan term of up to 20 years for employed individuals and 10 years for SMEs and groups
  • Product is for outright purchase of a home


Fees & Rates

  • Commitment Fee of 1.5%
  • Valuation fee of approximately 0.5%
  • Legal Fees of approximately 1-2%
  • Stamp duty of 4%



Our Home Loan provides you with an affordable way to buy a home with;

  • Up to 105% financing 
  • Loan repayment duration of up to 20 years for occupied homes there is tax relief for customers
  • Mortgage protection cover in case of death or disability
  • Includes insurance cover for fire 


What Motivates Purchase Towards Off-Plan Projects?

There are several factors that influence purchase towards off plan projects

Your Level of Debt Commitment Matters

If you are submitting a mortgage application, the last thing any prospective lender will want to

You Need Proof of Income in Order to Qualify for a Mortgage

Banks will want to see proof of how much you earn.

You need to produce at least 3 months