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Turn Your Income Into Wealth.
Stop guessing with your money. Know it. Compare it. Grow it. Preserve it.
Serrari Markets provides independent financial data and educational tools. We are not fund managers and do not hold deposits. All data is provided 'as is' without warranty. Past performance does not guarantee future results. Rates and yields shown may be delayed — always verify with the fund manager. This is for informational purposes only not investment, tax, or legal advice.
© 2026 Serrari Group
Compare mortgage rates, loan limits, and repayment terms across Kenyan banks and SACCOs. Includes KMRC-backed products with lower rates and longer tenures.
SERRARI MORTGAGE TRACKER
| Institution ↕ | Product ↕ | Rate (p.a.) ↑ |
|---|---|---|
| Harambee Sacco | Harambee Jenga Loan | 8.00% |
| Harambee Sacco | Harambee Home Loan | 8.00% |
| Ukulima SACCO (ApStar) | Makao Halisi Loan | 8.00% |
| DTB | DTB Home Loan | 9.00% |
| KCB Bank | KCB Affordable Mortgage Loan (KMRC) | 9.00% |
| Kenya Police SACCO | Kenya Police Makao Loan | 9.00% |
| Mwalimu National SACCO | Mwalimu Mortgage Loan | 9.00% |
| Stima SACCO | KMRC MORTGAGE | 9.00% |
| HFC (HF Group) | HFC Affordable Housing Loan (KMRC) | 9.50% |
| Ukulima SACCO (ApStar) | Makao Bora Loan | 9.50% |
| KMRC | Residential Mortgage | 10.00% |
| National BANK | USD & GBP Denominated Residential Mortgage | 10.50% |
| Kimisitu Sacco LTD | Home Purchase First Mortgage | 12.00% |
| Kimisitu Sacco LTD | Makao Halisi Mortgage | 12.00% |
| Prime Bank | Prime Mali Mortgage | 13.00% |
| Bank of Africa | Acquisition Mortgage | Contact |
| Bank of Africa | Construction Mortgage | Contact |
| KCB Bank | Home Loan | Contact |
Identify the property you want to buy, whether residential, commercial, or land. Get it valued by a licensed valuer to determine its market worth.
Submit your application to one or more banks. You will need proof of income, employment records, KRA PIN, bank statements, and a valid ID. The bank assesses your creditworthiness.
Most lenders require 10-20% of the property value as a down payment. KMRC-backed products may offer lower deposit requirements. Legal and valuation fees also apply at this stage.
Once disbursed, repay in fixed monthly instalments over 5-25 years. The rate can be fixed or variable. Early repayment may reduce total interest paid — check for prepayment penalties.
Turn your income into wealth — explore fixed deposits, money market funds, and savings accounts to grow your down payment.