#17
KCB MORTGAGE
In Kenya, there’s something very personal and to most people, even sacred: owning a home, more so, a dream home. Bought fully built or constructed by self, a home is where your laughter echoes in hallways, where your children grow up, and where stories begin and memories take root. For many, homeownership is more than a goal, it is the dream and the ultimate sign of stability, dignity, and to some, the main symbol of success. KCB Mortgage understands this dream.
And more importantly, it believes that everyone deserves the chance to make it a reality, not just for the monied, not just for seasoned investors, but equally for first-time home buyers, young professionals, growing families, including everyday Kenyans who simply want a place to call their own.
As one of Kenya’s most established financial institutions, KCB Mortgage has been helping Kenyans build and own homes for decades. KCB Mortgage has become the most trusted path to home ownership. What sets KCB Mortgage apart is more than its financial muscle: KCB Mortgage holders mention empathy, guidance, and support as attributes coming with a KCB Mortgage throughout the journey, from inquiries to completion of the repayments. From the moment you begin dreaming of a home, to the day you turn your key in the door, KCB Mortgage walks with you. One young couple equates their mortgage solutions as, ‘not just financial products; they are promises made real, carefully designed to meet you where you are, and grow with you as your life unfolds’.
For first-time homeowners, buying a home can be intimidating. There’s so much to consider: the paperwork, the legal jargon, the financing options, the valuers, the attendant risks. KCB Mortgage knows this. That’s why its mortgage solutions are crafted with first-time buyers in mind, with clarity, flexibility, and compassion.
According to loan officers at KCB Mortgage, one does not need to have millions in the bank account. You don’t need to be an expert. What you need is a trusted partner and KCB Mort-gage delivers that, with:
• Flexible repayment periods of up to 25 years, so your monthly payments remain manageable.
• Competitive interest rates that make homeownership affordable.
• Up to 90% financing, meaning you can own a home with as little as a 10% deposit.
• Dedicated mortgage advisors who take time to explain every step, answer every question, and remove the guesswork.
With KCB Mortgage, you don’t get a mortgage. You get peace of mind, opines the Director of KCB Mortgage, Caroline Wanjeri, a respected career banker and industry thought leader, who was head hunted by KCB from Housing Finance Group in 2007.
KCB Mortgage isn’t one-size-fits-all. Whether you’re buying your first apartment in Kilimani in Nairobi, building a bungalow at Milimani in Kisumu, purchasing land in Kitengela in Kajiado County, or constructing a retirement home in Nyeri, KCB Mortgage can be structured to fit the following:
- Home purchase
- Home construction
- Land purchase
- Equity release
- Property development
KCB Mortgage equally partners with trusted developers and real estate agents to help the home finder locate the perfect property, for those requisitioning this service.
The best testimony are the numerous and inspiring customer stories. For many, the journey to home ownership begins with uncertainty, but ends with joy. Take John and Wangui, a young couple who never thought they could afford a house in Nairobi. With the help of KCB Mortgage, they secured a 2-bedroom apartment in up-coming blue zone of Ruaka at The Loftel, a space now filled with the sound of their daughter’s laughter.
Or Achieng’, a schoolteacher in Kisumu, who used a KCB Mort-gage construction loan to build her parents a retirement home on their ancestral land. Her monthly repayments remain affordable for the 25-year mortgage, and the home has become a source of pride and comfort for the entire family.
These are not exceptions. These are everyday stories made possible by KCB Mortgage, a product offering that enables ordinary Kenyans acquire extraordinary properties. And it does not stop there.
KCB Mortgage isn’t a transaction. It is a long-term relationship. Beyond the Mortgage, it is a relationship that lasts. The facility arranges home insurance, if needed, as well renovation advice, where applicable. The facility includes property valuation or legal processes, all under one roof, if so desired.
Observers in the real estate sector consider KCB Mortgage as one of Kenya’s best choices, attributing these to a number of facts, including:
Heritage and Trust: With over 125 years in Kenya, KCB Mortgage is one of the most stable and reliable you can choose.
Nationwide Reach: Whether you live in Nairobi, Eldoret, Meru, Mombasa, or anywhere in between, KCB is near you.
People-Centered Service: From loan officers to branch staff, KCB treats you with dignity, listens to your concerns, and truly cares.
At the time of going to press, KCB Mortgage is offering up to 105% financing, with fixed interest rate at 9.5% and up to 25 years re-payment period.
