Mortgage
I&M Home Loan
I&M Bank Kenya
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% - 14.5% p.a.
Loan Amount
Ksh 3,000,000 - Ksh 100,000,000
Approval Time
10-14 business days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Low 1% processing fee
- Faster approval (10-14 days)
- Large loan amounts up to KES 100M
- Diaspora mortgage available
- Rate negotiation for premium properties
- Premium banking perks for mortgage clients
Cons
- High minimum income of KES 120k
- High minimum loan of KES 3M
- Smaller branch network than tier-1 banks
- 12 months bank statements required
Customer Reviews
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Product Details
Features
- Up to 90% financing for property purchase
- Loans up to KES 100 million
- Repayment period up to 25 years
- Home purchase, construction, and renovation
- Premium banking relationship for mortgage clients
- Diaspora mortgage facility available
- Construction loan with staged drawdowns
- Mortgage top-up and equity release options
- Rate negotiation for high-value properties
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 120,000/month
Employment: Employed, Self-employed
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 6 months payslips
- Last 12 months bank statements
- Employment confirmation letter
- Audited accounts (if self-employed)
- Property valuation report
- Title deed
- Sale agreement
- Proof of deposit (if applicable)
Repayment Options
Standing orderCheck-offDirect debitBranch payment
Ready to Apply?
Get started with I&M Home Loan today. Fast approval and competitive rates.
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