Best Mortgages in Nairobi 2026
Compare 4+ mortgages from 6+ banks in Nairobi County. 89% of adults have access to financial services.
Nairobi County Financial Overview
Nairobi is Kenya's economic powerhouse and the financial hub of East Africa. Home to the Nairobi Securities Exchange and headquarters of major banks, the city offers the most competitive financial products in the country.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Nairobi
Co-operative Bank
32 branchesCBD, Westlands, Industrial Area, South B
View Co-operative Bank Products âCompare Mortgages Available in Nairobi
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 Nairobi
- đĄCompare rates online before visiting branches - Nairobi banks are highly competitive
- đĄConsider digital lenders for quick small loans under KES 50,000
- đĄCheck your CRB status before applying - most Nairobi banks strictly check credit history
- đĄBusiness owners should explore the many SME-specific loan products available
How to Apply for Mortgages in Nairobi
- Compare: Use PesaMarket to compare mortgages from 6+ 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 Nairobi 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 Nairobi
What are the best Mortgages in Nairobi County?
The best mortgages in Nairobi 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 Nairobi?
To apply for mortgages in Nairobi: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Nairobi or Karen 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 Nairobi County?
Major banks with branches in Nairobi include: KCB (45 branches - CBD, Westlands, Karen); Equity Bank (38 branches - CBD, Westlands, Buruburu); Co-operative Bank (32 branches - CBD, Westlands, Industrial Area); ABSA (25 branches - CBD, Westlands, Upperhill); NCBA (20 branches - CBD, Westlands, Gigiri); Stanbic (18 branches - CBD, Westlands, Karen). You can also access mobile banking and digital loans from anywhere in Nairobi.
What is the minimum salary to qualify for mortgages in Nairobi?
Minimum salary requirements for mortgages in Nairobi 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 Nairobi?
Some digital lenders in Nairobi 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.
Other Financial Products in Nairobi
Mortgages in Nairobi's Major Towns
Whether you're in Nairobi, Karen, Westlands, Eastleigh, Kibera, or any other part of Nairobi County, you can access mortgages from leading financial institutions. Nairobi has the most bank branches, but mobile banking and digital loans are available across the entire Nairobi region. Our platform helps you compare rates and find the best mortgages for your needs.
Ready to Apply?
Compare 4+ mortgages from top banks in Nairobi. Find the best rates and apply online today.