Buy, build, or renovate your home, and get access to an equity release loan. Fully Shari’ah-compliant mortgages are available.

Let us contact you to apply for a loan, or switch your loan to us. Once you have submitted all requirements, we guarantee to inform you within 48 hours if your application was successful. 


Let us contact youCalculate your loan

Buy a home 

With an Absa Mortgage loan, you can buy the home of your dreams and move in without a hassle.

  • Affordable housing financing up to KES8 million at 9.5% interest p.a. (fixed rate)
  • Borrow up to 90% of the property value with repayment of up to 25 years 
  • Borrow up to 80% on a business home loan with repayment of up to 20 years 
  • Security charge over property applicable 
  • Available for property in Kenya only
  • See finance and cost breakdown

Let us contact you

Buildings and cities


If you already have a mortgage loan you can transfer it to Absa and benefit from excellent benefits such as competitive interest rates and flexible repayment terms.

  • Value of property must be more than KES2m (Nairobi) and KES1.5m (up country)
  • Interest rate from 12.75% to 14% on reducing balance
  • 0% deposit required and up to 25 years tenure depending on retirement age
  • Discharge and charge over property applicable as security
  • See finance and cost breakdown

Let us contact you

Construction loan

Build your home exactly as you want it. We offer up to 12 disbursements to help you keep track of your building project. Bill of quantities (BQs) must be drawn by independent and qualified quantity surveyor.

  • Affordable housing financing up to KES8 million at 9.5% interest p.a. (fixed rate)
  • Up to 100% finance if you own the property (subject to value of land) 
  • Maximum 20-year payback period
  • Fixed-price contract for amount above KES10m
  • 9-month moratorium during construction after which repayment starts
  • Interest paid only on the amount drawn
  • Building plans must be approved
  • Construction site must be urban property intended for residential use
  • Pre and post-construction evaluation fees are applicable
  • Stage valuations are done throughout the construction process
  • See finance and cost breakdown

Let us contact you

Equity release loan

The value of your property can be used to release funds that you need for emergencies, renovations, projects or any other purpose. 

  • Up to 80% of the value of your property in cash
  • Repayment period of 15 years
  • Value of property needs to be more than KES2m (Nairobi) and KES1.5m (up country)
  • Security charge over property is applicable
  • Valuation fees are 0.25% of property value
  • See finance and cost breakdown

Let us contact you

Approximate percentage of mortgage amount that finance will cost: 
  1. Transfer stamp duty: 4% of home value / 2% for upcountry
  2. Stamp duty on charge: 0.10%
  3. Negotiation fees: 1%-2%
  4. Legal fees: 1.20%
  5. Fire insurance: 0.13%
  6. Home loan protection cover: 0.30%
  7. Valuation fees: 0.25% of value of property

Find your dream home

Your home is a special place where you share your life with your family and spend quality time with those closest to you. That is why getting high quality and customised services is important when you are looking to buy your dream home. Explore a variety of  websites that provide more information on real estate and development in different areas around Kenya. 

Tell me more

Need more help?

Call us on:
+254 (20) 3900000 (Landline)
+254 (722) 130120 (Mobile)
+254 (732) 130120 (Mobile)

Chat to Abby on WhatsApp:
+254 710 130000

Email us: