Mortgage
Stanbic KMRC Home Loan
Stanbic Bank Kenya
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
9.5% - 9.5% p.a.
Loan Amount
Ksh 1,000,000 - Ksh 4,000,000
Approval Time
14-30 days
Processing Fee
1%
Rating Breakdown
5★
(0)
4★
(0)
3★
(0)
2★
(0)
1★
(0)
Total: 0 Reviews
Pros & Cons
Pros
- Kenya's best rate at 9.5%
- Up to 100% financing available
- Long tenure up to 25 years
- Low processing fee (1%)
- Free property valuation
- KMRC government backing
- Mortgage protection included
Cons
- Property value limit of KES 4M
- Extensive documentation required
- 24 months employment history needed
- Early repayment penalty (2% within 5 years)
- Minimum income of KES 75,000
Customer Reviews
⭐
No reviews yet
Be the first to share your experience with Stanbic KMRC Home Loan
Write the First ReviewShare Your Experience
Product Details
Features
- Kenya's lowest mortgage rate at 9.5%
- KMRC government-backed affordable housing
- Long repayment period up to 25 years
- Finance up to 100% of property value
- New purchase and construction supported
- Free property valuation
- Mortgage protection insurance included
- Flexible repayment options
- Digital application and tracking
- Dedicated mortgage advisor
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 75,000/month
Employment: Salaried, Self-employed
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 6 months payslips (if employed)
- Last 12 months bank statements
- Employment contract/letter
- Tax returns (last 2 years for self-employed)
- Property valuation report
- Title deed or sale agreement
- Building approval plans (for construction)
Repayment Options
Standing orderCheck-off (for salaried)M-Pesa PaybillBranch paymentDirect debitStanbic Mobile app
Ready to Apply?
Get started with Stanbic KMRC Home Loan today. Fast approval and competitive rates.
Apply NowApplication takes less than 10 minutes
You Might Also Like
Why Trust Our Reviews?
- Verified customer reviews only
- Independent ratings and analysis
- Regularly updated product information
- Transparent review methodology