Mortgage Loan
Make your dream home a reality with affordable mortgage financing up to KES 50 million. Enjoy tenures up to 25 years with fixed or variable rate options.
Key Features
- Finance up to KES 50,000,000
- Tenures up to 25 years
- Up to 90% property value financing
- Fixed or variable rate options
- Construction mortgages available
- Diaspora applicants eligible
Rates & Charges
- Legal Fee: 1% of loan amount
- Valuation Fee: KES 15,000
- Variable Rate: CBR + 4%
- Fixed Rate (5yr): 12.5% p.a.
Eligibility Requirements
- Minimum age 25 years
- Minimum gross income KES 100,000/month
- Property located in Kenya
- Valid sale agreement or title deed
- Clean CRB record
Required Documents
- 📋 National ID or Passport — Bring to branch
- 📋 KRA PIN Certificate — Bring to branch
- 📋 6 months bank statements — Bring to branch
- 📋 Sale agreement and title deed — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
Can Kenyans in the diaspora apply?
What insurance is required?
Can I switch from variable to fixed rate?
Terms & Conditions
Mortgage facilities are secured against the financed property and require registration of a charge in favor of Omni-Trust Bank. The borrower must maintain comprehensive property insurance and mortgage protection insurance for the duration of the loan.Default on 3 consecutive monthly installments shall constitute an event of default, entitling the Bank to exercise its power of sale. Variable rate mortgages are benchmarked to the Central Bank Rate (CBR) and adjust quarterly.
Ready to Get Started?
Open your Mortgage Loan today. Visit any branch or apply online.
Apply for Mortgage Loan
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