Cash to prepare
Your 20% planning deposit is KES 1,292,000. Add your current savings above to see the remaining gap.
Back to buying
Know the monthly side before you choose a home.
Use this free, no-sign-in tool to compare Nairova’s published development prices with public Kenyan mortgage examples, then shape a next step around your own deposit and monthly comfort.
Build your scenario
Choose a published home type or enter a price you are considering. Price entries are starting points, not availability.
Make the monthly view yours
Optional figures help describe the scenario; they are not used to approve or qualify you for a loan.
Published lender examples
These examples come from public lender product pages and are not recommendations. Nairova is not a lender. The CBK row is a separate market reference, not a mortgage offer.
Showing the latest verified CBK snapshot· August 2026
| Lender / reference | Published rate | Modeled monthly | Modeled interest | Share of income* | Terms and source |
|---|---|---|---|---|---|
| Standard CharteredKMRC mortgage | 9.5% p.a. fixed | KES 48,173 | KES 6,393,410 | Add income above | Published maximum KES 10.5M; repayment up to 25 years. Eligibility and fees apply.Standard Chartered product page |
| Co-operative BankKMRC home loan | 9.9% p.a. on reducing balance | KES 49,530 | KES 6,719,296 | Add income above | Published loan range KES 500,000–8M. Applicant and repayment-term conditions apply.Co-operative Bank product page |
| CBK market referenceCommercial-bank lending average | 14.34% p.a. · August 2026 | KES 65,545 | KES 10,562,856 | Add income above | Market-wide lending benchmark only—not a mortgage offer or a lender quote.Central Bank of Kenya rates table |
Monthly repayments use a standard reducing-balance formula. Figures assume the displayed annual rate remains unchanged for the selected term; they exclude lender fees, insurance, taxes, valuation, legal costs, and any project-specific construction or staged-payment arrangements. *If you enter income and existing loan payments, this share compares the modeled repayment with take-home income after those listed loan payments; it excludes living costs and is not an approval test. Lender assessment and offer terms control.
Your next-step brief
This is a planning read, not a lending decision. Use it to focus your questions before speaking to a lender or viewing a home.
Monthly fit
Set your own monthly comfort amount or add take-home income and existing loan payments to compare the estimates with your household picture.
Questions for the lender
Ask how the published rate applies to your income and property, what deposit and term you qualify for, and which fees or insurance change the total cost. Off-plan payment stages are not modeled here.
Want a human read on the options?
A Nairova advisor can help you compare the home type and the questions to take to a lender.