Side-by-side comparison of home loan rates from Kenya's leading banks. Updated for May 2026. Find the best deal for your dream home.
| Bank | Interest Rate | Max Loan (KES) | Min Deposit | Max Term |
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Interest rate isn't everything. Consider processing fees, early repayment penalties, customer service, and approval speed. Use our free calculator to see how different rates affect your monthly payment.
Calculate Your Payment →As of May 2026, KCB and HF Group offer the lowest rates at 13.5%, followed by Co-op Bank at 13.75%. However, the rate you qualify for depends on your credit score, income, and down payment amount.
Yes! Many banks have flexibility, especially for strong applicants with good credit, large deposits, or existing banking relationships. Use our comparison to show competing offers and negotiate a better rate.
All major Kenyan banks use reducing balance method, where interest is calculated on the outstanding loan amount. This is more favorable to borrowers than flat rate (interest on original loan amount).
No. Rates change frequently and your personal rate may differ based on credit evaluation. Always confirm current rates directly with the bank before applying.