Type of mortgage financing available

KMRC Mortgage

Borrow up to Kes 10.5million, Interest rate below 10%, Repayment of up to 20 years.


Residential, Commercial or Commercial cum residential. We will finance you to own your first home, buy an investment property or buy your family dream home!


Residential and Commercial. Looking to build your dream home or a commercial property – talk to us!

Equity Release

For construction or property purchase purposes. Do you own a house and would like to borrow against it, we will offer you the best solution!

Plot purchase

Need financing to buy that shamba – we are the right partner!

Plot Buy and Build

The bank offers financing to purchase land and construct the home of your choice.


Looking to improve your home features, a renovation mortgage will help you do that!

Eligibility Criteria

  • Employed Persons
  • Self-Employed
  • Kenyans in the Diaspora
  • Joint Applications (Spouses, Parents/Children)
  • Company (Private Limited)
  • Small and Medium Enterprises
  • Co-operatives/Transport, Housing & Investment societies Company

Why a GoodHome Mortgage

  • Wide array of mortgage product offering i.e. purchase, construction and equity release
  • Multi-Currency Mortgages available in KES, USD, GBP and EUR
  • Efficient processing of your application
  • Higher financing percentages to enable you own your home with ease
  • Dedicated personal banker to walk you through the process
  • Flexible and competitive rates
  • Automatic qualification for a credit card
  • End to end real estate solutions including project financing and end buyer financing

Mortgage Loan Terms

Maximum Financing %

Up to 90%

Appraisal Fees

3% of the amount borrowed

Maximum Repayment Period








*Subject to customer eligibility

Customer Category

Loan Term

Salaried Customers

Up to 20 years subject to retirement age

Self-Employed Customers

Up to 15 years


Up to 10 years


Up to 15 years


Up to 15years

Land Purchase

Up to 7 years

Product Fact sheet

Mortgage Finance






1. Acquisition

Purchase of Property in Kes, USD, Eur and GBP

  • Interest Rate Kes 13% *bank base rate + margin
  • Interest Rate Fcy 10% *currently based on Libor
  • Appraisal Fee Kes 3%
  • Appraisal Fee Fcy 2%
  • Annual Review fee 1% of the outstanding loan amount

Up to a maximum of 20 years *subject to retirement age

2. Construction

Construction of Residential and Commercial Property.

3. Balance Transfer

Transfer your mortgage to the bank from another financial institution.

4. Equity Release

Client borrows against their property which is released to the bank as collateral

5. Project Finance

Financing to build commercial property for corporates and Co-operatives

6. Mortgage Schemes

Government Funded Schemes

Interest Rate 3%


Up to a maximum of 25 years *subject to retirement age

Private Funded Schemes

Dependent on funding given up to 13% interest rate for Kes

Up to a maximum of 20 years *subject to retirement age