Best Mortgages in Kisii 2026
Compare 15+ mortgages from 3+ banks in Kisii County. 72% of adults have access to financial services.
There are 15 mortgages available in Kisii County, Kenya, with 3 banks serving the area. Interest rates range from 9.1% to 17.1% monthly. Population: 1,266,860.
Kisii County Financial Overview
Kisii is a densely populated county known for bananas, tea, and soapstone carving. The entrepreneurial culture and strong SACCO movement make it one of the most financially active counties.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Kisii
Compare Mortgages Available in Kisii
ABSA Home Loan
ABSA Bank Kenya
12% - 14%p.a.
KES 3,000,000 - KES 100,000,000
- ✓Up to 90% financing for salaried employees
- ✓Loans 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
- ✓Lowest mortgage rate in Kenya at 9.9%
- ✓KMRC-backed affordable housing initiative
DTB Home Loan
Diamond Trust Bank Kenya
13% - 15%p.a.
KES 2,000,000 - KES 50,000,000
- ✓Up to 80% financing for property purchase
- ✓Loans up to KES 50 million
Equity Home Loan
FeaturedEquity Bank Kenya
11% - 13%p.a.
KES 500,000 - KES 50,000,000
- ✓Competitive rates from 11%
- ✓Up to 95% financing
Family Bank Home Loan
Family Bank Kenya
13.5% - 16%p.a.
KES 1,000,000 - KES 30,000,000
- ✓Low minimum loan of KES 1 million
- ✓Accessible 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
- ✓Fully Sharia-compliant home financing (no interest charged)
- ✓Ijara (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
- ✓Kenya's oldest housing finance specialist (since 1965)
- ✓Low 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
- ✓Up to 90% financing for property purchase
- ✓Loans up to KES 100 million
KCB Home Loan
FeaturedKenya Commercial Bank
11.5% - 13.5%p.a.
KES 500,000 - KES 100,000,000
- ✓Up to 100% financing for salaried employees
- ✓Loans up to KES 100 million
NBK Home Loan
National Bank of Kenya
13% - 15%p.a.
KES 1,500,000 - KES 50,000,000
- ✓Up to 90% financing for property purchase
- ✓Loans up to KES 50 million
NCBA Home Loan
NCBA Bank Kenya
12.5% - 15%p.a.
KES 2,000,000 - KES 80,000,000
- ✓Up to 90% financing for property purchase
- ✓Loans up to KES 80 million
Prime Bank Home Loan
Prime Bank Kenya
13% - 15%p.a.
KES 3,000,000 - KES 50,000,000
- ✓Up to 80% financing for property purchase
- ✓Loans 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
- ✓Up to 85% financing for property purchase
- ✓Loans 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
- ✓Low minimum loan of KES 1 million
- ✓Repayment 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
- ✓Kenya's lowest mortgage rate at 9.5%
- ✓KMRC government-backed affordable housing
Tips for Getting Mortgages in Kisii
- 💡SACCOs offer excellent rates - Gusii region has very active cooperatives
- 💡Small traders can access chama-based group lending
- 💡Banana and tea farmers should explore cooperative financing
- 💡Education loan products are popular for the many schools
How to Apply for Mortgages in Kisii
- 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 Kisii 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 Kisii
What are the best Mortgages in Kisii County?
The best mortgages in Kisii 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 Kisii?
To apply for mortgages in Kisii: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kisii or Keroka 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 Kisii County?
Major banks with branches in Kisii include: KCB (5 branches - Kisii, Keroka, Ogembo); Equity Bank (5 branches - Kisii, Keroka, Suneka); Co-operative Bank (4 branches - Kisii, Ogembo). You can also access mobile banking and digital loans from anywhere in Kisii.
What is the minimum salary to qualify for mortgages in Kisii?
Minimum salary requirements for mortgages in Kisii 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 Kisii?
Some digital lenders in Kisii 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.
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Mortgages in Kisii's Major Towns
Whether you're in Kisii, Keroka, Ogembo, Suneka, or any other part of Kisii County, you can access mortgages from leading financial institutions. Kisii has the most bank branches, but mobile banking and digital loans are available across the entire Nyanza 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 Kisii. Find the best rates and apply online today.