Special Staff Scheme Loans

Specially discounted loans for organizations whose employees or members wish to own a home either through straight purchase or construction


  • Loan financing of up to 100% value of property with a repayment of up to 25 years.
  • Fixed and very competitive interest from as low as 4%.
  • Flexible terms in appraisal i.e. up to 75% of net pay considered.
  • Insurance covers (Mortgage, domestic package, house owners) available
  • Loan is assessable for straight purchase, construction, plot purchase, plot purchase and construction.
  • Free mortgage advice

Standard Requirements

  • Proof of income
  • Property Title to be produced
  • Letter from employer confirming employment status

Rates & Fees

  • Negotiated Interest rates
  • 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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