CBA Property Financing

Home Loan

If you have decided that it’s time to own a home, then CBA’S Home Loan will put the key into your hands-sooner than you think, with minimum fuss. You can Buy a home, Refinance your existing Mortgage, Construct, Purchase a plot or Move your existing mortgage balance to CBA, all at competitive interest rates and on reducing balance!

With the support of highly skilled relationship managers and flexible repayment tenor you can realize your dream of owning your own home.


*Available for Home Purchases, Home Equity and Mortgage Transfers only.



  • Loan tenure – up to 25 years in local currency.
  • Loan tenure – up to 10 years in FCY
  • Facility fees- KShs.1%
  • Facility fees – FCY 1.5%
  • Debt to Income Ratio : Not exceed 60% of Net Salary
  • Minimum loan amount: KShs 500,000 or equivalent.
  • Free cover limit: loan amount of KShs 20 million and below
  • Interest rates: Pegged to CBR for local currency


  • Flexible repayment terms
  • When assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings and children will be considered in assessing repayment ability
  • Mortgage Protection Insurance (MPI) cover limit up to Kes.20M without need for medical checkup, retrenchment cover and social perils cover included
  • Competitive Interest rates

Access to all other CBA banking products (e.g. Overdrafts, credit cards, current account, Mobile and internet banking.)

Standard Requirements

  • Proof of income
  • Proof that you can meet the 10% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.
  • Sales agreement

Rates & Fees

  • Competitive interest rate.
  • Facility Fee-1% of loan amount
  • Legal Fees
  • Valuation fees
  • Stamp duty (4% of cost of property or value on the open market)
  • Excise duty
  • Insurance fees i.e. Domestic package and Mortgage protection cover.