Kenya mortgage calculator
in KES
Estimate your monthly home loan repayment, total interest, and cash needed upfront — deposit, stamp duty, legal fees, and valuation — with reducing-balance maths tuned for Kenyan banks and SACCOs.
Drag, type, or tap a preset. Everything updates instantly in KES.
An estimate for planning only — not a loan offer or financial advice. Actual repayments depend on your lender’s rate, fees, and terms. Confirm figures with your bank or SACCO.
How mortgages work in Kenya
Buying a home: what the numbers mean
A mortgage in Kenya is repaid monthly over a fixed term — usually 20 to 25 years — at a rate that tracks the Central Bank Rate and is charged on a reducing balance, not a flat rate. Because the early years are mostly interest, two offers with a similar headline rate can differ by hundreds of thousands of shillings over the full term.
Beyond the deposit — typically 10–20% of the price — closing costs usually run 7–11% of the purchase price: stamp duty (4% urban, 2% rural), legal fees on the Advocates (Remuneration) Order plus 16% VAT, a registered valuation (~0.25–1%), and registration charges. Confirm the title is clean before you transfer — see our guides on verifying land ownership.
Kenya mortgage FAQs
Common questions
Enter the property price in KES, choose your deposit percentage, interest rate, and loan term. The calculator updates your estimated monthly repayment, total interest, and cash needed upfront (deposit, stamp duty, legal fees, and valuation) using reducing-balance maths common to Kenyan banks and SACCOs.
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