Mortgage calculator
Estimate your monthly repayments in Kenya shillings. Adjust the price, deposit, interest rate and term to see what fits your budget.
Rates vary by lender and borrower. Enter the rate your bank quotes you.
Monthly repayment
- Loan amount
- Deposit
- Total interest
- Suggested income
“Suggested income” assumes repayments of about 35% of gross monthly income — a common affordability guide.
Need a valuation for your mortgage?
Lenders require a valuation report on the property being financed. Our registered valuers prepare reports for mortgages, banking and lending.
FAQ
Mortgage basics
How is a monthly mortgage repayment calculated?
Repayment = L × r ÷ (1 − (1 + r)^−n), where L is the loan amount (price minus deposit), r is the monthly interest rate (annual rate ÷ 12) and n is the number of monthly payments (years × 12).
How much deposit do I need to buy a house in Kenya?
Lenders set their own requirements; many ask for a deposit of 10–20% of the purchase price. Use the deposit slider to see how it changes your repayment.
Do banks require a property valuation for a mortgage?
Yes — lenders require a valuation of the property being financed. Metrocosmo’s registered valuers prepare valuations for mortgages, banking and lending.