For many ambitious Kenyans, owning a home in Nairobi, Mombasa, Kisumu, or even in a peaceful countryside escape is more than a dream, it’s a symbol of stability, success, and long-term investment.

The good news? That dream is more achievable than you think, with NCBA Bank’s flexible and investor-savvy mortgage solutions.

Whether you are buying your first home, building your forever house, or investing in real estate for passive income, NCBA is offering up to 105 per cent financing making it possible to secure property without having to drain your savings.

If you are looking for a home loan, NCBA Bank has taken deliberate steps to assist you to achieve your dream of becoming a homeowner.

The NCBA home loan offers you the following advantages that convert your home ownership dream to an achievable goal:

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Up to 105 per cent Financing

No need to struggle with a hefty deposit.

NCBA covers not just the property value but also legal, insurance, and other costs and up to 105 per cent of the lower of market value or purchase price.

Multi-Currency Flexibility

Whether you earn in KES, USD, GBP, or EUR, there’s a tailor-made mortgage for you.

Diaspora Kenyans, this one's for you too.

Long Repayment Periods

Enjoy flexible repayment plans of up to 25 years, giving you ample room to manage your cash flow without pressure.

Competitive Rates

NCBA offers some of the most attractive mortgage rates in Kenya today, with interest calculated on a reducing balance, so you pay less over time.

Who is this for?

• Professionals looking to stop renting and start building equity

• Diaspora Kenyans investing back home

• Families planning to build or buy in urban & peri-urban locations

• Real estate investors looking to expand their portfolios

Here are the six easy steps standing between your homeownership dream and reality:

  • Step 1: Application

Submit your loan application and required documents.

  • Step 2: Approval

Your mortgage gets approved based on your eligibility.

  • Step 3: Offer Letter

Receive and review the Offer Letter from NCBA, then meet the outlined conditions.

  • Step 4: Property Valuation

An NCBA-approved valuer assesses the property to determine market value.

  • Step 5: Legal Conveyance

A vetted lawyer handles title transfers and secures legal charge of the property.

  • Step 6: Disbursement

The funds are released to the seller or your account—and your dream becomes a reality.

With NCBA Bank’s full support, you are not just purchasing a house, you are gaining a powerful investment tool.

Real estate remains one of the most stable and appreciating asset classes in Kenya, especially in satellite towns and growing suburbs like Kitengela, Ngong, Juja, and Ruiru.

Your home ownership dream is just one phone call away, so Go For it!

Explore NCBA’s mortgage solutions HERE.