Diaspora Home Loan

Dedicated mortgage arm to ensure you get the best property investment opportunities back home for residential and commercial property purchase


  • Loan financing:
    • 90% for straight purchase with a repayment period of up to 20 years
    • 80% for commercial/income generation with a repayment of up to 20 years.
    • 70% for plot purchase with a repayment of up to 5 years
  • Link to legitimate sites advertised on the group website.
  • Access to a dedicated relationship manager to support sourcing and financing in country.
  • Access to all other KCB banking products (e.g. overdrafts, credit cards, current, savings and investment accounts)
  • Loan purpose will determine the requirements

Standard Requirements

  • Proof of income
  • Proof that you can meet the partial payment and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Rates & Fees

  • Competitive interest rate of 17%
  • KCB charges: Appraisal Fee - 1% of loan amount and Ledger Fee payable per month.
  • Regulatory charges: Legal Fees; Valuation fees; Stamp duty (4% of cost of property or value on the open market); Stamp duty on charge (0.1% of loan amount) and Insurance premium- Financed by KCB

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