FINANCING Built for Kenyans
Four clear products, explained in plain language — so you can choose with confidence.
Fixed Rate Mortgage
Stability you can plan around. Your monthly repayment is fixed for the full term of your mortgage — it never changes, no matter what happens to interest rates in the market.
This product is especially suited to first-time buyers who want to avoid the complexity of adjustable rates. The security of knowing your payment will never increase is worth a great deal.
Key Features
- • Fixed interest rate for the entire duration.
- • Terms ranging from 5 to 15 years.
- • Up to 80% financing on property value.
- • No penalty for early repayment (selected terms).
Eligibility
- • Kenyan Citizens (Local & Diaspora).
- • Minimum monthly net income of KES 100,000.
- • Clean CRB record.
- • At least 2 years of stable employment or business.
Apply for Fixed Mortgage
Flexible Mortgage / Adjustable Rate
Start with lower initial payments, then adapt as your income and life circumstances evolve. Built for Kenyans whose financial situation is growing.
Suits entrepreneurs and professionals who expect their income to grow significantly over the next few years.
Key Features
- • Lower initial interest rates.
- • Payments adjust periodically based on market indices.
- • Flexibility to convert to Fixed Rate later.
- • Higher initial borrowing capacity.
Ideal For
- • Young professionals with high income growth potential.
- • Business owners with seasonal cash flows.
- • Short-term property investors.
- • Those planning to sell or refinance within 5-7 years.
Apply for Flexible Mortgage
Construction Financing
Building from the ground up? We release funds in stages as your construction progresses — protecting your project from financial risk at every phase.
Tranches aligned with building progress: foundation, slab, roofing, finishing. You only pay interest on what you've drawn down.
Apply for Construction Financing
Construction End Loan
When your build is complete, we convert your construction loan into a permanent long-term mortgage — seamlessly, with minimal disruption.
Apply for End Loan Conversion
Is your construction 100% complete?
Comparative Market Analysis (CMA) / Property Appraisal
Before you commit to a property, you need to know its true market value. Our team draws on years of market experience to give you an informed, realistic picture of what a property is worth and what the market is doing.
Armed with this knowledge, you are in a stronger position to negotiate, plan your financing, and make a confident decision.
Disclaimer: Please note: This service is provided as an informational guide based on Nationwide Mortgage Ltd's market experience and knowledge. It does not constitute a formal professional valuation or appraisal as defined under Kenyan law, and should not be used as a substitute for a certified property valuation conducted by a registered valuer.
Mortgage Origination & Marketing
Nationwide Mortgage Ltd works with property developers, landlords, and real estate agents to market and originate mortgages for properties that need financing.
If you are a developer or property owner with units that need mortgaged buyers, Nationwide Mortgage Ltd can connect you with qualified buyers and facilitate the mortgage process end to end.
This service bridges the gap between property developers and home buyers — making it easier to sell, easier to buy, and easier to finance.
Partner With Us