Mortgage Calculator Kenya
Calculate your monthly mortgage payments, how much you can afford, and whether renting makes more sense.
Monthly Payment
Affordability
Rent vs Buy
We use the standard 33% of net salary as the max mortgage payment
Monthly Mortgage Payment
—
Frequently Asked Questions
How much deposit do I need for a mortgage in Kenya?
Most Kenyan banks require a minimum deposit of 10–20% of the property value. A 20% deposit (80% LTV) gives you access to the best rates.
What is the maximum mortgage term in Kenya?
Most Kenyan banks offer mortgage terms of up to 25 years for salaried employees, and up to 20 years for self-employed borrowers, subject to retirement age (usually 60–65).
What income do I need for a KES 10M mortgage?
Using the 33% rule at 13.5% over 20 years, a KES 10M mortgage requires a monthly payment of about KES 120,000 — meaning you'd need a net monthly salary of at least KES 365,000.