CBA Property Financing

Diaspora Mortgage Offer

This is aimed at helping Kenyans living abroad to get the best mortgage solution back at home for residential or commercial purposes. The offer is in either of the following currencies; Kenya shillings, Sterling pound, US dollar or Euros.


  • Loan tenure – up to 25 years in Local currency.
  • Loan tenure – up to 10 years in FCY
  • Facility fees- 1%
  • Facility fees – FCY 1.5%
  • Debt to Income Ratio : Not exceeding 60% of Net Income
  • Minimum loan amount : KShs 1 million or equivalent of FCY
  • 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 & 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
  • Letter from employer confirming employment status
  • Notarized documents

Rates & Fees

  • Competitive interest rate on either of the currency
  • Facility Fee-1.5% of loan amount
  • Legal Fees
  • Valuation fees
  • Stamp duty (4% of cost of property or value on the open market)
  • Stamp duty on charge (0.1% of loan amount)
  • Insurance premium- Financed by CBA