Best Mortgages in Vihiga 2026
Compare 4+ mortgages from 3+ banks in Vihiga County. 61% of adults have access to financial services.
Vihiga County Financial Overview
Vihiga County is one of Kenya's most densely populated counties with intensive small-scale farming. Tea and dairy production are significant, along with growing jua kali manufacturing.
Main Industries
Popular Financial Products
Banks Offering Mortgages in Vihiga
Compare Mortgages Available in Vihiga
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 Vihiga
- đĄStrong SACCO movement offers competitive member rates
- đĄTea farmers have access to KTDA-linked financing
- đĄSmall-scale dairy farmers can find cooperative financing
- đĄJua kali artisans should explore SME loan products
How to Apply for Mortgages in Vihiga
- 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 Mbale 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 Vihiga
What are the best Mortgages in Vihiga County?
The best mortgages in Vihiga 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 Vihiga?
To apply for mortgages in Vihiga: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Mbale or Majengo 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 Vihiga County?
Major banks with branches in Vihiga include: KCB (3 branches - Mbale, Majengo, Luanda); Equity Bank (2 branches - Mbale, Luanda); Co-operative Bank (2 branches - Mbale). You can also access mobile banking and digital loans from anywhere in Vihiga.
What is the minimum salary to qualify for mortgages in Vihiga?
Minimum salary requirements for mortgages in Vihiga 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 Vihiga?
Some digital lenders in Vihiga 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 Western Counties
Other Financial Products in Vihiga
Mortgages in Vihiga's Major Towns
Whether you're in Mbale, Majengo, Luanda, or any other part of Vihiga County, you can access mortgages from leading financial institutions. Mbale has the most bank branches, but mobile banking and digital loans are available across the entire Western 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 Vihiga. Find the best rates and apply online today.