Licensed banks and mortgage lenders provide home and property loans to eligible applicants. DTB offers mortgage financing in Kenya for salaried customers, business owners, expatriates and diaspora customers, including home purchase, plot purchase, equity release and mortgage-transfer options. Select “Get In Touch” to discuss the most suitable option.

The best mortgage is the one that is affordable for your income and offers a suitable combination of interest rate, total borrowing cost, financing percentage, repayment term, fees, insurance, property eligibility and repayment flexibility. DTB offers financing of up to 105%, terms of up to 25 years and tailored options for several customer groups, subject to appraisal.

The contribution required depends on the mortgage product, approved financing percentage, property value and related costs. DTB offers up to 105% financing for eligible applicants, but this does not guarantee that every borrower will receive a zero-deposit mortgage. DTB will confirm your required contribution after assessing affordability and the property.

The mortgage amount depends on your verified income, existing loan and living-cost commitments, repayment term, credit assessment, property valuation and the selected product. DTB will assess what monthly repayment is sustainable rather than applying one universal loan limit to every customer.

There is no single published salary that guarantees mortgage approval. The important measure is affordability: whether your reliable net income can support the proposed monthly repayment together with your other financial commitments. A longer term may reduce the monthly repayment but can increase the total interest paid over the life of the mortgage.

The current DTB mortgage page states that rates start from 9.00% p.a. The rate offered may depend on the mortgage product, customer profile, currency, property and credit appraisal. Ask DTB for a written repayment schedule and a complete breakdown of interest, fees, insurance and other costs before accepting the facility.

Yes. Eligible first-time buyers can apply. Before choosing a property, estimate a comfortable monthly repayment, allow for closing costs and ongoing ownership expenses, and prepare proof of income, banking history, identification documents and the offer letter or sale agreement.

Yes. DTB accepts applications from eligible business customers. You will need to demonstrate consistent income and repayment capacity using business registration documents and, where applicable, 12 months of bank statements together with the property and identification documents.

Yes. DTB provides mortgage options for eligible diaspora customers. Current requirements include identification and KRA PIN documents, six months of payslips and bank statements, an employer letter, the sale agreement, the title document and notarised documents or a Power of Attorney where required.

Eligible expatriates may apply, subject to DTB credit and property assessment. In addition to the salaried-customer documents, a valid work permit is required. The approved term may also consider the applicant’s employment and residency circumstances.

DTB lists home purchase, plot purchase, equity release and mortgage transfers among its mortgage products, with nationwide coverage for eligible properties. The current page also describes financing for homes, apartments and commercial space. Property acceptability remains subject to legal due diligence, valuation and credit approval.

Yes. Plot purchase is listed as one of DTB’s mortgage products. Approval will depend on the plot’s location, title, valuation, legal status, intended use, your repayment capacity and the current terms of the relevant product.

Equity release allows an eligible property owner to borrow against part of the value already held in a property. The property is used as security, and the amount available depends on its assessed value, any existing borrowing, the proposed use of funds and your ability to repay.

Mortgage transfer is listed among DTB’s available mortgage products. DTB will assess the outstanding balance, repayment history, property, current lender documentation, affordability and the costs of transferring and registering the new facility before approval.

KMRC supports longer-term housing finance through participating primary mortgage lenders rather than lending directly to individuals. DTB lists KMRC financing as available, but qualification depends on the current KMRC programme criteria, the property and the borrower’s affordability and credit assessment. DTB should confirm the applicable rate, limit, fees and eligibility at the time of application.

Common documents include a valid ID or passport, KRA PIN, proof of income, recent bank statements, an employer letter or business registration documents, an offer letter or sale agreement and a copy of the property title. Diaspora applicants may also need notarised documents and a Power of Attorney. DTB may request additional documents during review.

In addition to the purchase price and mortgage repayments, budget for the facility fee, excise duty, legal and valuation fees, stamp duty, mortgage protection cover and property insurance. Additional CRI cover may apply to 105% financing. Ask for an itemised cost estimate because rates and third-party charges can change.

The processing time depends on whether the application and property documents are complete, how quickly income and credit checks are completed, and the time required for valuation, legal due diligence and security registration. Providing clear and current documents early can reduce avoidable delays, but DTB should confirm the expected timeline for your application.

Maintain a consistent and verifiable income, keep existing debt at a manageable level, transact through your bank account, provide accurate documents, resolve credit-report issues, and choose a property and monthly repayment that fit your budget. Approval remains subject to DTB’s full credit and property assessment.

DTB offers up to 105% financing, which may cover the property cost and approved related expenses for eligible customers. The amount and costs that can be included depend on the product, valuation, affordability and approval. Confirm which closing costs will be financed and which must be paid separately.

Early or additional repayment terms may vary by product. Review the facility letter for any notice requirements, fees or conditions and ask DTB how an extra payment would affect the outstanding balance, remaining term and total interest.

Contact DTB as soon as you expect difficulty. Missed repayments can lead to additional charges, adverse credit information and enforcement of the property security under the facility terms. Early communication gives the bank an opportunity to review the situation before arrears increase.