Best Mortgages in Bungoma 2026
Compare 4+ mortgages from 3+ banks in Bungoma County. 60% of adults have access to financial services.
Bungoma County Financial Overview
Bungoma County is known for sugar cane farming and hosts Nzoia Sugar Company. The county also has significant maize and tobacco production and serves as a trade hub near the Uganda border.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Bungoma
Compare Mortgages Available in Bungoma
Co-op KMRC Mortgage
FeaturedCo-operative Bank of Kenya
9.9% - 9.9%p.a.
KES 1,000,000 - KES 4,000,000
- âLowest mortgage rate in Kenya at 9.9%
- âKMRC-backed affordable housing initiative
Equity Home Loan
FeaturedEquity Bank Kenya
11% - 13%p.a.
KES 500,000 - KES 50,000,000
- âCompetitive rates from 11%
- âUp to 95% financing
KCB Home Loan
FeaturedKenya Commercial Bank
11.5% - 13.5%p.a.
KES 500,000 - KES 100,000,000
- âUp to 100% financing for salaried employees
- âLoans up to KES 100 million
Stanbic KMRC Home Loan
FeaturedStanbic Bank Kenya
9.5% - 9.5%p.a.
KES 1,000,000 - KES 4,000,000
- âKenya's lowest mortgage rate at 9.5%
- âKMRC government-backed affordable housing
Tips for Getting Mortgages in Bungoma
- đĄSugar cane farmers can get advances against expected deliveries
- đĄCross-border traders with Uganda have access to trade finance
- đĄMobile money loans are popular due to fewer bank branches
- đĄConsider teacher SACCOs if you're in the education sector
How to Apply for Mortgages in Bungoma
- Compare: Use PesaMarket to compare mortgages from 3+ banks
- Check eligibility: Review requirements for your preferred product - income, age, CRB status
- Gather documents: Prepare ID, KRA PIN, payslips or M-Pesa statements
- Apply: Visit a branch in Bungoma or apply online through the bank's website/app
- Wait for approval: Most mortgages are processed within 24-72 hours
Frequently Asked Questions: Mortgages in Bungoma
What are the best Mortgages in Bungoma County?
The best mortgages in Bungoma include products from KCB, Equity Bank, Co-operative Bank. Interest rates start from around 10.5% p.a. depending on the product and your credit profile. Compare all 4+ options on PesaMarket to find the best fit for your needs.
How do I apply for mortgages in Bungoma?
To apply for mortgages in Bungoma: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Bungoma or Webuye or apply online. 4) Submit required documents including ID, KRA PIN, and proof of income. Most applications are processed within 24-48 hours.
Which banks have branches in Bungoma County?
Major banks with branches in Bungoma include: KCB (4 branches - Bungoma, Webuye, Kimilili); Equity Bank (4 branches - Bungoma, Webuye, Chwele); Co-operative Bank (3 branches - Bungoma, Webuye). You can also access mobile banking and digital loans from anywhere in Bungoma.
What is the minimum salary to qualify for mortgages in Bungoma?
Minimum salary requirements for mortgages in Bungoma vary by provider. Most banks require a minimum monthly income of KES 15,000-30,000 for personal loans. Digital lenders like Branch, Tala, and M-Shwari have lower requirements. Self-employed individuals can qualify with 6+ months of M-Pesa statements or business records.
Are there mortgages without CRB check in Bungoma?
Some digital lenders in Bungoma offer mortgages with flexible CRB requirements. M-Shwari, Fuliza, and some app-based lenders may approve loans for first-time borrowers or those rebuilding credit. However, most banks will check your CRB status. You can check your CRB report for free once a year at any CRB bureau.
Mortgages in Nearby Western Counties
Other Financial Products in Bungoma
Mortgages in Bungoma's Major Towns
Whether you're in Bungoma, Webuye, Kimilili, Chwele, or any other part of Bungoma County, you can access mortgages from leading financial institutions. Bungoma has the most bank branches, but mobile banking and digital loans are available across the entire Western region. Our platform helps you compare rates and find the best mortgages for your needs.
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Compare 4+ mortgages from top banks in Bungoma. Find the best rates and apply online today.