Best Mortgages in Kajiado 2026
Compare 15+ mortgages from 3+ banks in Kajiado County. 66% of adults have access to financial services.
There are 15 mortgages available in Kajiado County, Kenya, with 3 banks serving the area. Interest rates range from 9.1% to 17.1% monthly. Population: 1,117,840.
Kajiado County Financial Overview
Kajiado County is rapidly urbanizing with Ngong, Ongata Rongai, and Kitengela becoming Nairobi dormitory towns. The county also hosts Amboseli National Park and has significant cement manufacturing.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Kajiado
Compare Mortgages Available in Kajiado
ABSA Home Loan
ABSA Bank Kenya
12% - 14%p.a.
KES 3,000,000 - KES 100,000,000
- âUp to 90% financing for salaried employees
- âLoans up to KES 100 million
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
DTB Home Loan
Diamond Trust Bank Kenya
13% - 15%p.a.
KES 2,000,000 - KES 50,000,000
- âUp to 80% financing for property purchase
- âLoans up to KES 50 million
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
Family Bank Home Loan
Family Bank Kenya
13.5% - 16%p.a.
KES 1,000,000 - KES 30,000,000
- âLow minimum loan of KES 1 million
- âAccessible to lower-income earners (KES 50k minimum)
Gulf African Bank Home Finance (Sharia-Compliant)
Gulf African Bank
13% - 15%p.a.
KES 2,000,000 - KES 40,000,000
- âFully Sharia-compliant home financing (no interest charged)
- âIjara (lease-to-own) and Murabaha (cost-plus) structures
HF Group Home Loan
HF Group
12% - 14%p.a.
KES 1,000,000 - KES 80,000,000
- âKenya's oldest housing finance specialist (since 1965)
- âLow minimum loan of KES 1 million
I&M Home Loan
I&M Bank Kenya
12% - 14.5%p.a.
KES 3,000,000 - KES 100,000,000
- âUp to 90% financing for property purchase
- âLoans up to KES 100 million
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
NBK Home Loan
National Bank of Kenya
13% - 15%p.a.
KES 1,500,000 - KES 50,000,000
- âUp to 90% financing for property purchase
- âLoans up to KES 50 million
NCBA Home Loan
NCBA Bank Kenya
12.5% - 15%p.a.
KES 2,000,000 - KES 80,000,000
- âUp to 90% financing for property purchase
- âLoans up to KES 80 million
Prime Bank Home Loan
Prime Bank Kenya
13% - 15%p.a.
KES 3,000,000 - KES 50,000,000
- âUp to 80% financing for property purchase
- âLoans up to KES 50 million
Standard Chartered Home Loan
Standard Chartered Bank Kenya
12% - 13.5%p.a.
KES 5,000,000 - KES 150,000,000
- âUp to 85% financing for property purchase
- âLoans up to KES 150 million (highest in market)
Sidian Bank Home Loan
Sidian Bank Kenya
14% - 16%p.a.
KES 1,000,000 - KES 30,000,000
- âLow minimum loan of KES 1 million
- âRepayment period up to 20 years
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 Kajiado
- đĄMortgage rates are competitive due to high real estate demand
- đĄKitengela and Ongata Rongai have good banking infrastructure
- đĄLivestock traders can access specialized financing
- đĄConsider Nairobi rates - banks often offer similar terms due to proximity
How to Apply for Mortgages in Kajiado
- 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 Kajiado 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 Kajiado
What are the best Mortgages in Kajiado County?
The best mortgages in Kajiado include products from KCB, Equity Bank, Co-operative Bank. Interest rates start from around 12.1% p.a. depending on the product and your credit profile. Compare all 15+ options on PesaMarket to find the best fit for your needs.
How do I apply for mortgages in Kajiado?
To apply for mortgages in Kajiado: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kajiado or Ngong 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 Kajiado County?
Major banks with branches in Kajiado include: KCB (7 branches - Kajiado, Ngong, Ongata Rongai); Equity Bank (6 branches - Kajiado, Ngong, Kitengela); Co-operative Bank (5 branches - Kajiado, Ngong, Ongata Rongai). You can also access mobile banking and digital loans from anywhere in Kajiado.
What is the minimum salary to qualify for mortgages in Kajiado?
Minimum salary requirements for mortgages in Kajiado 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 Kajiado?
Some digital lenders in Kajiado 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 Rift Valley Counties
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Mortgages in Kajiado's Major Towns
Whether you're in Kajiado, Ngong, Ongata Rongai, Kitengela, or any other part of Kajiado County, you can access mortgages from leading financial institutions. Kajiado has the most bank branches, but mobile banking and digital loans are available across the entire Rift Valley region. Our platform helps you compare rates and find the best mortgages for your needs.
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Compare 15+ mortgages from top banks in Kajiado. Find the best rates and apply online today.