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it's time to own your own home Our Property Finance Services

Get up to 105% of the value of the ready or off-plan residential units you are looking to buy. With flexible terms, repayment periods of up to 25 years and free insurance cover for loan amounts of Sh20 million and below, becoming a home-owner is now an achievable goal.

We finance plot purchasing in Nairobi, Mombasa and other major urban and rural areas within major towns for up to 70% of the plot value. Pay comfortably with tenors ranging from 36 to 72 months

Build your own home or become a landlord with up to 105% financing, depending on the project, and a repayment period of up to 25 years. This facility is available for alternative-income earners such as rental income and consultancy fees.

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Mortgage Services

Facility fees of 1% of the loan amount for local currency, 1.5% of the loan amount for foreign currency and 2% of the loan amount for Diaspora clients is charged.
We offer mortgage financing in Kenya Shillings, Dollars, Euros and Pounds.
Minimum mortgage financing amount is KES. 500,000
Interest is calculated on reducing balance basis

Plot Purchase

Loan facility fees of 1% of the loan value for local clients, and 2% for diaspora clients.
Minimum loan amount is KES. 500,000

Construction Loan

Minimum loan amount is KES. 3,000,000
Facility fees of 1% of the loan amount for local currency facilities and 1.5% of the loan amount for foreign currency facilities

Please fill the form to enquire about our products

Our Financial Services

We finance plot purchasing in Nairobi, Mombasa and other major urban and rural areas within major towns for up to 70% of the plot value. Pay comfortably with tenors ranging from 36 to 72 months

Frequently Asked Questions

Click on a question below to learn more

1. How do I get a mortgage at NCBA?

The first step towards applying for a mortgage product is to provide us with your income details either from employment, consultancy or rental income (if any) and bio data. We will review your information and advice on the loan amount you would qualify for. This will enable you to budget for a property that you can comfortably afford to pay for. Once you have identified a property, our Relationship Managers will guide you in submitting your complete application documents for credit review and approval.

2. I own a plot. How can I develop it?

Through our Construction loan product. This loan allows you the freedom to choose a team of professionals to carry out your construction. NCBA has an in-house team to vet and oversee the project to ensure the construction is done to detail. The construction funds are released in stages after thorough site inspections are done.

3. What is your maximum repayment period?

Our maximum repayment period is 25 years. We allow our Customers to choose loan repayment periods ranging from 1 to 25 years. The period is dependent on the customer’s retirement age, source of income and ability to pay the loan.

4. What are the costs involved in getting a mortgage?

The costs associated with a mortgage include; facility fee, Valuation fees, Stamp Duty, Legal fees and would usually amount to approximately 6-8% of the property-selling price.

5. How long does it take to process a loan?

It takes a minimum of (1) one day to confirm eligibility. Offer letter within seven (7) days. The mortgage process depends on many factors; key one being the readiness of the customer in providing the required documentation and paying relevant fees. It also depends on the nature of transaction. The following provide a guideline of the different periods:
(Including approval of the loan up to disbursement)

- Purchase of house approx. 45-60 days
- Construction loans approx. 45-60 days

- Q: How do I get a mortgage at NCBA?

A: The first step towards applying for a mortgage product is to provide us with your income details either from employment, consultancy or rental income (if any) and bio data. We will review your information and advice on the loan amount you would qualify for. This will enable you to budget for a property that you can comfortably afford to pay for. Once you have identified a property, our Relationship Managers will guide you in submitting your complete application documents for credit review and approval.

- Q: I own a plot. How can I develop it?

A: Through our Construction loan product. This loan allows you the freedom to choose a team of professionals to carry out your construction. NCBA has an in-house team to vet and oversee the project to ensure the construction is done to detail. The construction funds are released in stages after thorough site inspections are done.

- Q: What is your maximum repayment period?

A: Our maximum repayment period is 25 years. We allow our Customers to choose loan repayment periods ranging from 1 to 25 years. The period is dependent on the customer’s retirement age, source of income and ability to pay the loan.

- Q: What are the costs involved in getting a mortgage?

A: The costs associated with a mortgage include; facility fee, Valuation fees, Stamp Duty, Legal fees and would usually amount to approximately 6-8% of the property-selling price.

- Q: How long does it take to process a loan?

A: It takes a minimum of (1) one day to confirm eligibility. Offer letter within seven (7) days. The mortgage process depends on many factors; key one being the readiness of the customer in providing the required documentation and paying relevant fees. It also depends on the nature of transaction. The following provide a guideline of the different periods: (Including approval of the loan up to disbursement)
- Purchase of house approx. 45-60 days
- Construction loans approx. 45-60 days