Welcome to Mortgage.co.ke ("we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of our website, including all content, tools, calculators, and services provided (collectively, the "Site"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.
⚠️ Important Legal Notice: Mortgage.co.ke is NOT a licensed financial institution, bank, or mortgage lender. We are an independent comparison and educational platform. Nothing on this Site constitutes financial advice, legal advice, or a loan offer. Always consult with qualified professionals before making financial decisions.
By using our Site, you represent and warrant that:
Mortgage.co.ke provides the following free tools and services:
All calculations and estimates are for illustrative purposes only. Actual loan terms, interest rates, fees, and approval depend on individual circumstances and lender policies.
📌 Disclaimer: The information provided on Mortgage.co.ke is for general informational and educational purposes only. It does not constitute financial advice, investment advice, legal advice, or any other type of professional advice. You should not rely on any information on this Site as a substitute for consultation with qualified professionals who are aware of your specific financial situation.
Before making any financial commitment, including applying for a mortgage, you should:
We strive to provide accurate and up-to-date information. However:
We strongly recommend verifying all information directly with the relevant bank or financial institution before making any decisions.
Our Site contains links to third-party websites, including:
Affiliate Disclosure: Some links on our Site are "affiliate links." This means if you click on the link and complete an application or purchase, we may receive a commission at no additional cost to you. We only partner with reputable financial institutions that we believe offer value to our users. However, we are not responsible for the practices, policies, or content of any third-party site.
When you leave our Site, the privacy policy and terms of service of the third-party site apply. We encourage you to read them carefully.
You agree not to:
All content on this Site, including but not limited to text, graphics, logos, icons, images, software, and calculators, is the property of Mortgage.co.ke or its content suppliers and is protected by Kenyan and international copyright laws.
You may:
You may NOT:
⚠️ To the maximum extent permitted by Kenyan law: Mortgage.co.ke and its owners, employees, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our Site, including but not limited to:
Our total liability to you for any claim arising from these Terms or your use of the Site shall not exceed KES 1,000 (approximately $7 USD).
You agree to indemnify, defend, and hold harmless Mortgage.co.ke and its owners, employees, partners, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:
OUR SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that:
We reserve the right to terminate or suspend your access to our Site, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.
These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of Nairobi, Kenya, and you hereby consent to the personal jurisdiction of such courts.
Before filing a claim against Mortgage.co.ke, you agree to first contact us and attempt to resolve the dispute informally. If the dispute cannot be resolved within 30 days, either party may pursue resolution through binding arbitration in Nairobi, Kenya, in accordance with the Arbitration Act of Kenya. Each party shall bear its own costs.
We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by updating the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Mortgage.co.ke regarding your use of our Site and supersede all prior agreements.
If you have any questions about these Terms, please contact us at:
By using Mortgage.co.ke, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.