Mortgage

A mortgage is a loan that helps you own property—whether it's a home, apartment, or commercial space. DTB provides financing while holding the property title as security until the loan is fully repaid.

Account Overview

What You Need to Open an Account

The requirements are as follows:

Valid personal identification documents.
Must have verifiable, reliable and consistent source of income.
Provide evidence of previous banking history with a financial institution if not already banking with DTB.
Share a copy of title to the property being offered as security.
Share the proof of use of funds e.g. offer for sale etc.

Account Features

Access a comprehensive suite of banking services and tools:

Up to 105% Financing – Cover property costs and related expenses.
Flexible Repayment Terms – Up to 25 years.
Competitive Interest Rates – Starting from 9.00% p.a.
Tailored Products – For salaried, business, expatriates, and diaspora clients.
Nationwide Property Coverage – All counties in Kenya.
Products – Home purchase, Equity release, Plot purchase, Mortgage transfers etc.
KMRC financing available.

Eligibility Requirements

Salaried Customers	Business Customers	Diaspora Customers
Valid ID/Passport & PIN 3 months’ payslips 6 months’ bank statements (if not with DTB) Employer introduction letter Work permit (for expatriates) Offer letter/Sale agreement Copy of title document	Valid ID/Passport & PIN 12 months’ bank statements (if not with DTB) Business registration documents Offer letter/Sale agreement Copy of title document	Valid ID/Passport & PIN 6 months’ payslips 6 months’ bank statements Employer introduction letter Offer letter/Sale agreement Copy of title document Notarized documents & Power of Attorney

Closing Costs & Fees

Cost Item	Rate
Facility Fee	1% (Traditional), 2% (KMRC).
Excise Duty	20% of facility fee.
Legal & Valuation Fees	As per LSK & ISK scales respectively.
Stamp Duty (Transfer & Charge)	4% & 0.1% respectively.
Mortgage Protection Cover	Competitive Annual premium on the loan amount.
Domestic Insurance Cover	Competitive Annual premium on the insurable property value.
CRI Cover (for 105% financing)	3% of additional amount for the 1st 3 years.

Let’s Build Your Future Together

Whether you're a first-time buyer or expanding your property portfolio, DTB is here to guide you every step of the way.

Email: [email protected]

Visit: DTB Mortgage Business Centre, Mombasa Road, Nairobi

Call: +254 719 031 888