Best Mortgages in Kilifi 2026
Compare 4+ mortgages from 3+ banks in Kilifi County. 58% of adults have access to financial services.
Kilifi County Financial Overview
Kilifi County is a major coastal tourism destination with Malindi and Watamu attracting international visitors. Agriculture, particularly cashew nuts and coconuts, and fishing also drive the economy.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Kilifi
Compare Mortgages Available in Kilifi
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 Kilifi
- đĄTourism businesses should time loan applications before peak season
- đĄMobile money is widely used - consider digital lenders for quick access
- đĄFishing cooperatives can access group lending products
- đĄCheck for NGO-backed microfinance options with favorable terms
How to Apply for Mortgages in Kilifi
- 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 Kilifi 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 Kilifi
What are the best Mortgages in Kilifi County?
The best mortgages in Kilifi 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 Kilifi?
To apply for mortgages in Kilifi: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kilifi or Malindi 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 Kilifi County?
Major banks with branches in Kilifi include: KCB (5 branches - Kilifi, Malindi, Watamu); Equity Bank (4 branches - Kilifi, Malindi); Co-operative Bank (3 branches - Kilifi, Malindi). You can also access mobile banking and digital loans from anywhere in Kilifi.
What is the minimum salary to qualify for mortgages in Kilifi?
Minimum salary requirements for mortgages in Kilifi 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 Kilifi?
Some digital lenders in Kilifi 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 Coast Counties
Other Financial Products in Kilifi
Mortgages in Kilifi's Major Towns
Whether you're in Kilifi, Malindi, Watamu, Gede, or any other part of Kilifi County, you can access mortgages from leading financial institutions. Kilifi has the most bank branches, but mobile banking and digital loans are available across the entire Coast 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 Kilifi. Find the best rates and apply online today.