Mortgage Calculator Kenya 2025 - Best Mortgage Loan Calculator Kenya
Calculate Mortgage Payments with Our Mortgage Payment Calculator Kenya
Use our comprehensive mortgage calculator Kenya to determine your exact monthly payments for mortgage loans. Our mortgage loan calculator Kenya includes current mortgage rates, CBR rates, equity home loan options, and all fees to give you accurate calculations based on 2025 rates.
Mortgage Details
Enter the total property value
Typical range: 15-25 years
Frequently Asked Questions - Mortgage Calculator Kenya | Mortgage Loan Calculator Kenya
What are the current mortgage rates in Kenya for 2025?
Our mortgage calculator Kenya shows current mortgage rates ranging from 8.5% to 15% as of August 2025. KMRC offers fixed rates of 8.5-9.5% for equity home loans, while commercial banks offer variable rates from 5.9% to 7.4% and fixed rates from 12% to 15%. The Central Bank Rate is currently at 9.5%, which influences all mortgage loan rates.
View current CBR
How much down payment do I need for a mortgage in Kenya?
Most banks require a minimum down payment of 10-20% of the property value. KMRC-backed loans typically require 10%, while some commercial banks may require up to 20%. A higher down payment reduces your loan amount and monthly payments.
National Bank mortgage details
What additional costs should I expect when getting a mortgage?
Additional costs include: Processing fees (1% of loan amount), Stamp duty (4% for properties over KSh 1M), Legal fees (0.5-1% of property value), Valuation fees (0.5% of property value), and mortgage insurance premiums.
KRA stamp duty info
What is KMRC and how does it help with mortgages?
Kenya Mortgage Refinance Company (KMRC) is a government-backed institution that provides affordable mortgage financing. KMRC offers fixed interest rates of 8.5-9.5%, which are typically lower than commercial bank rates.
KMRC official calculator
How accurate is this mortgage calculator Kenya for mortgage loan calculations?
Our mortgage payment calculator Kenya uses the standard amortization formula and current mortgage rates as of August 2025. This mortgage loan calculator Kenya provides highly accurate estimates based on official CBR rates and current market conditions. However, final mortgage loan terms may vary by lender based on your creditworthiness, income, and other factors. Always consult with your preferred bank for exact figures.
Can I get a mortgage for properties outside Nairobi?
Yes, most banks offer mortgages for properties nationwide including Mombasa, Kisumu, Nakuru, and other major towns. However, some lenders may have different terms or require higher down payments for properties in certain locations.
Standard Chartered mortgage areas
Official References & Sources
Central Bank of Kenya
Current CBR & RatesStandard Chartered
SC Mortgage RatesAll rates and information are based on official sources as of August 2025. Rates may change. Always verify current rates with your preferred lender.
🏠 Calculate Mortgage for Properties Across Kenya
Use our mortgage calculator to determine payments for houses and apartments for sale in Kenya. Compare mortgage costs across different property types and locations.
🏡 Houses for Sale
Calculate mortgage payments for houses ranging from KES 3M to 50M+
🏢 Apartments for Sale
Calculate mortgage for apartments from KES 2M to 20M in prime locations
🌳 Land for Sale
Calculate construction + land mortgage for plots across Kenya
Calculate Mortgage by Location:
Why Use Our Mortgage Calculator Kenya - Best Mortgage Loan Calculator
Get accurate mortgage calculations based on current mortgage rates and Kenya market regulations with our mortgage payment calculator Kenya
💡 Pro Tip: After calculating your mortgage payments, use ourNet Pay Calculator Kenyato determine if your net salary can comfortably cover the monthly payments!
Current CBR Rates
Based on Central Bank of Kenya current rate of 9.5% and commercial bank mortgage rates of 12-15%
All Fees Included
Includes processing fees, stamp duty (4%), legal fees, and valuation costs for accurate calculations
KMRC & Bank Options
Compare KMRC fixed rates (8.5-9.5%) with commercial bank variable rates (5.9-7.4%)
Mortgage Calculation Examples - Real Kenya Properties 2025
See exact monthly mortgage payments for different property types across Kenya. All calculations include 20% deposit, stamp duty, legal fees, and 2025 interest rates.
3 Bedroom House Mortgage Calculator - Most Popular in Kenya
Affordable 3BR House - Syokimau/Kitengela
💰 Affordability Guide:
To afford KES 44,200/month comfortably (30% of income), you need:
• Gross Salary: KES 180,000/month
• Net Salary: KES 132,000/month (after tax)
Mid-Range 3BR House - Ruaka/Ruiru
💰 Affordability Guide:
To afford KES 77,100/month comfortably, you need:
• Gross Salary: KES 310,000/month
• Net Salary: KES 225,000/month
Apartment Mortgage Calculator Kenya - Nairobi Apartments
2BR Apartment - Kilimani/Parklands
3BR Apartment - Westlands
Luxury Property Mortgage Kenya - Karen, Runda, Kitisuru
4BR Townhouse - Karen
Required Income: Gross salary of KES 770,000/month (Net: ~KES 540,000)
5BR Mansion - Runda
Kenya Mortgage Rates by Bank 2025
Compare current mortgage rates from major banks in Kenya. Rates vary based on credit score and loan amount.
| Bank / Lender | Interest Rate | Max Loan (KES) | Max Term |
|---|---|---|---|
| KCB Bank | 12.5% - 13.5% | 50M | 25 years |
| Equity Bank | 13% - 14% | 30M | 20 years |
| Co-operative Bank | 12% - 13% | 50M | 25 years |
| NCBA Bank | 12.5% - 13.5% | 40M | 25 years |
| Stanbic Bank | 11.5% - 12.5% | 100M | 25 years |
| Standard Chartered | 11% - 12% | No limit | 25 years |
| KMRC (Fixed Rate) | 8.5% - 9.5% (Fixed) | 4M - 7M | 15-20 years |
💡 Pro Tip: KMRC (Kenya Mortgage Refinance Company) offers the lowest fixed rates but has lower loan limits. Best for properties under KES 7M.
Official Mortgage Calculator Sources
Banks & Lenders
Government & Regulations
- Central Bank of Kenya - CBR Rates
- Kenya Land Registry - Stamp Duty Info
- Current mortgage data from kenyalistings.com property listings
Mortgage rates updated: January 2025 | CBR Rate: 9.5%