You’re buying a Ksh 250M–Ksh 800M home in Karen, Runda, Lavington or Kitisuru. One percentage point difference on your mortgage can save (or cost) you Ksh 48M–Ksh 120M over the life of the loan.
Here are the 8 best mortgage rates Kenya 2026 for luxury buyers – exactly who gives what, to whom, and why.
1. Stanbic Bank “Prestige Plus” Mortgage – Still the 2026 Champion
- Rate: 11.4 % – 12.9 % (best in market)
- Max LTV: 90 % for salaried, 85 % self-employed
- Max loan: Ksh 800M+
- Approval time: 7–14 days
- Special perk: Rate lock for 180 days Favourite for doctors, lawyers, senior executives.
2. Absa Timiza Prestige Mortgage – The Diaspora & Women Favourite
- Rate: 11.7 % – 13.2 %
- Max LTV: 90 % (highest for diaspora & women professionals)
- Max loan: Ksh 600M
- Approval time: 5–12 days
- Special perk: 6-month grace period for diaspora moving back
3. Standard Chartered Priority Mortgage – The Expat & High-Earner Choice
- Rate: 11.2 % – 12.8 % (lowest fixed-rate option)
- Max LTV: 80 %
- Max loan: Ksh 1B+
- Approval time: 10–18 days
- Special perk: Fixed rate for first 5 years Perfect for UN staff, embassy employees, C-suite with international income.
4. NCBA Premium Mortgage – The Self-Employed Hero
- Rate: 12.1 % – 13.8 %
- Max LTV: 85 %
- Max loan: Ksh 500M
- Approval time: 12–21 days
- Special perk: Accepts business bank statements + management accounts Best for business owners and entrepreneurs.
5. KCB M-Pawa Prestige – The Fastest Approval
- Rate: 12.5 % – 14.2 %
- Max LTV: 80 %
- Max loan: Ksh 500M
- Approval time: 5–10 days (fastest in Kenya)
- Special perk: Pre-approval valid 12 months
6. I&M Bank Platinum Mortgage – The Flexible One
- Rate: 12.3 % – 13.9 %
- Max LTV: 85 %
- Max loan: Ksh 600M
- Approval time: 10–18 days
- Special perk: Top-up facility without new valuation
7. Co-op Bank Supreme Mortgage – The Solid All-Rounder
- Rate: 12.8 % – 14.5 %
- Max LTV: 80 %
- Max loan: Ksh 400M
- Approval time: 14–25 days
- Special perk: Free valuation for first Ksh 300M
8. Equity Bank Prime Mortgage – The High-Loan Specialist
- Rate: 13.2 % – 15.1 %
- Max LTV: 75 %
- Max loan: Ksh 1B+
- Approval time: 18–30 days
- Special perk: Will finance multiple properties under one facility
2026 Luxury Mortgage Comparison Table – Mortgage Rates Kenya
| Bank | Best Rate 2026 | Max LTV | Max Loan | Approval Days | Best For |
|---|---|---|---|---|---|
| Stanbic Prestige | 11.4–12.9 % | 90 % | Ksh 800M+ | 7–14 | Salaried professionals |
| Absa Timiza | 11.7–13.2 % | 90 % | Ksh 600M | 5–12 | Diaspora & women |
| StanChart Priority | 11.2–12.8 % | 80 % | Ksh 1B+ | 10–18 | Expats & fixed-rate lovers |
| NCBA Premium | 12.1–13.8 % | 85 % | Ksh 500M | 12–21 | Self-employed |
| KCB M-Pawa | 12.5–14.2 % | 80 % | Ksh 500M | 5–10 | Speed |
The Bottom Line
The mortgage rates Kenya 2026 difference between the best and worst lender can be Ksh 80M–Ksh 180M over 20 years on a Ksh 500M loan. One phone call to the right bank can save you a fortune.
Want the completely free 2026 Luxury Mortgage Comparison Pack with live rates, exact documents needed and direct banker contacts? Contact Realty Boris today – no obligation, just the best deal.
