Best Mortgages in Kiambu 2026
Compare 4+ mortgages from 4+ banks in Kiambu County. 78% of adults have access to financial services.
Kiambu County Financial Overview
Kiambu County surrounds Nairobi and is one of Kenya's wealthiest counties. It hosts major manufacturing plants, thriving real estate developments in Thika, Ruiru, and Kikuyu, and extensive coffee and dairy farming.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Kiambu
Compare Mortgages Available in Kiambu
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 Kiambu
- đĄMortgage rates are competitive due to high real estate activity
- đĄCoffee and dairy farmers should explore Kenya Planters Co-operative Union financing
- đĄThika and Ruiru have excellent rates due to banking competition
- đĄManufacturing businesses can access specialized asset financing
How to Apply for Mortgages in Kiambu
- Compare: Use PesaMarket to compare mortgages from 4+ 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 Kiambu 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 Kiambu
What are the best Mortgages in Kiambu County?
The best mortgages in Kiambu 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 Kiambu?
To apply for mortgages in Kiambu: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kiambu or Thika 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 Kiambu County?
Major banks with branches in Kiambu include: KCB (18 branches - Thika, Ruiru, Kikuyu); Equity Bank (15 branches - Thika, Ruiru, Kikuyu); Co-operative Bank (12 branches - Thika, Ruiru, Kikuyu); ABSA (8 branches - Thika, Ruiru, Kikuyu). You can also access mobile banking and digital loans from anywhere in Kiambu.
What is the minimum salary to qualify for mortgages in Kiambu?
Minimum salary requirements for mortgages in Kiambu 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 Kiambu?
Some digital lenders in Kiambu 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 Central Counties
Other Financial Products in Kiambu
Mortgages in Kiambu's Major Towns
Whether you're in Kiambu, Thika, Ruiru, Kikuyu, Limuru, or any other part of Kiambu County, you can access mortgages from leading financial institutions. Kiambu has the most bank branches, but mobile banking and digital loans are available across the entire Central 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 Kiambu. Find the best rates and apply online today.