CBA Property Financing

Scheme Mortgage Offers

We offer discounted loans for organizations whose employees or members wish to purchase or construct a home.


  • Loan tenure – up to 25 years.
  • Facility fees- 1%
  • Debt to Income Ratio : Not exceeding 60% of Net Salary
  • Minimum loan amount : KShs 1 million
  • Interest rates: Pegged to CBR for local currency


  • Loan financing of up to 105% value of property with a repayment of up to 25 years.
  • Fixed and very competitive interest from as low as 4% for cash backed mortgages.
  • Flexible terms in appraisal i.e. up to 60% of net pay considered.
  • Free cover limit of up to KShs.20 Million.
  • Loan is available for straight purchase, construction, plot purchase and construction.
  • Free Financial literacy program and mortgage advice

Standard Requirements

  • Proof of income
  • Letter from employer confirming employment status
  • Sale agreement

Rates & Fees

  • Negotiated Interest rates
  • Facility Fee-1% 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)
  • Excise Duty
  • Insurance premium- Financed by CBA