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KCB Diaspora Mortgage

Thinking of investing in land or a property back home, either for your use or for rental? If so, KCB can assist you. With a dedicated mortgage arm, you will never be far from the best property investment opportunities back home. Our mortgages financing covers purchase of plots, purchase of ready built houses and renovations of residential properties.

What we require from you:

  • Loan application form duly completed with all relevant details included
  • Pay slips for the latest 3 months*
  • Letter from employer confirming employment status (indicating retirement date and whether you are permanent or on contract)*
  • Bank statements for the last 6 months where your salary goes through for non-KCB customer applicants / Certified by the issuing bank and KCB branch manager
  • Copy of ID and valid Passport* (including signature and validity pages)
  • Personal Identification Number (PIN) certificate, equivalent to Social Security Number
  • Open a KCB bank account
  • 3 passport size photos
  • Sale agreement complete and duly signed by both parties and witnessed by a lawyer
  • Copy of the title to the property being purchased/charged
  • Valuation report and photographs of property being financed and/or charged together with certificate of official search from lands registry
  • Valuers explicit confirmation that the property has no public utility claims, is not on wet land or road reserve
  • Valuers confirmation that they have examined the relevant survey maps and that the property described is the one inspected
  • Site inspection report on all properties either securing the borrowing or providing rental income
  • Mortgage Credit Documentation Compliance Certificate, provided by us
  • Signatures on the application form witnessed
  • Spousal consent duly executed OR affidavit of marital status submitted (spousal consent from sellers spouse to be obtained where a residential property is being bought)

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