Do you want a Home Loan or a Construction Mortgage?

Our partner have a wide range of home loan products to meet all you housing needs:  Do you want a Home Loan,
Construction Mortgage, Purchase Mortgage, Incremental Housing Mortgage or a credit facility?

Talk to our expert!

+256 754539998

Mortgage & Development Finance


Do you want to purchase/complete your residential property? Then accesses up to 100% finance to enable you realize your dream.


For a maximum of 60 million shillings, access this loan to enable you construct / complete your House.


Access a loan amount of up to 80% of the property value and is payable in a maximum period of 20 years.

Calculate your Mortgage
  • Principal Amount:
  • Years:
  • Balance Payable With Interest:
  • Total With Down Payment:
  • Interest rate: This is the finance charge for borrowing money. It is a variable rate that is usually adjustable basing on the market conditions. We currently have the lowest interest rate on the market today!
  • Arrangement fees: This is the cost of processing the loan. Standard Chartered only charges the fee upon approval and disbursement of your mortgage.
  • Valuation fee: This is usually a percentage of the appraised value of the property. We have partnered with reputable valuers and pre- negotiated a preferential fee for our customers.
  • Legal/Conveyance fees: This is usually a percentage of the loan amount. We have a panel of reputable legal firm that assist the bank with this process.
  • Stamp duty: This is a government tax on all property transfers and mortgage registrations and is a percentage of the property value according to the government valuer appraisal report.
  • Fire and perils insurance: This is paid directly to the insurance company and covers damages that may occur to the property as a result of fire, floods etc. The bank maintains a panel of insurance companies with whom it has pre- negotiated preferential rates.

Note: The actual breakdown of all the charges are clearly stipulated in the offer letter.

  • Duly completed and signed home loan application form with the following documentation attached;

  • Personal details
    • Work ID/Valid Identification such as passport
    • Financial Card
    • Tin number
    • 3 passport size photos
    • Proof of Nationality e.g. passport/voters card
    • Proof of residence e.g. Utility bill, Tenancy agreement
    • For Equity release and refinance mortgages involving matrimonial homes; provide spousal consent and marriage certificate. For the spouse in question, provide a valid identification and a passport size photo. Other requirements on matrimonial homes are set out in the offer letter.
    • If single provide a statutory declaration to that effect.
  • Income details
    • If employed;
      • 3 Months pay slips
      • 6 Months back account statement(s)
      • Salary advance details if any
      • Loan statements where applicable
    • If self employed;
      • 12 Months bank account statements. (For all bank accounts).
      • 2 year audited books of accounts where applicable.
      • Provide business contracts where applicable.
    • Additional income;
      • Rental income: Should be evidenced on a bank account, provide certificate of title and tenancy agreements.
      • Commission: Should be regular and evidenced on a bank account for the last 6 months.
      • Allowances: Should be regular and evidenced on a bank account for the last 6 months.
  • Employment / Business details
    • If employed;
      • Letter of undertaking from employer
      • Copy of employment contract
      • Copy of appointment letter
    • If self employed;
      • Proof of existence e.g. certificate of incorporation / registration
      • Proof of ownership e.g. Company form stating shareholding
      • Memorandum and Articles of association for a limited liability company
  • Collateral details
    • Copy of certificate of title
    • Photos of the property (Internal and External)
    • Sale agreement/Offer letter (For purchases)
    • Approved building plans
  • Both Citizens and Non Citizens*
  • Minimum age 21
  • Both Salaried and Self Employed customers meeting all the specified requirements
  • Professionals and consultants who earn a regular monthly income

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