Directory · Finance
Mortgage · Escrow · Insurance
18 providers covering home loans, mortgages, escrow and insurance. Every entry links to the regulator that licenses it, so you can verify before sharing any personal information. We do not recommend any individual provider; we publish the directory, and our financing guide explains how lenders assess you.
Mortgage providers
8 mortgage providers.
CBK-licensed commercial banks plus KMRC. Always verify a provider against the Central Bank of Kenya commercial-banks list before sharing any personal information.
I&M Bank Mortgages
Tier-1 commercial bank with prime-residential mortgage offerings.
NCBA Bank Mortgages
Tier-1 commercial bank with mortgage products and the Loop digital banking channel popular with diaspora users.
Absa Bank Kenya Mortgages
Formerly Barclays Kenya; mortgage products including diaspora-friendly options.
Co-operative Bank Mortgages
Co-op Bank mortgage book serves the SACCO ecosystem and is one of the most accessible diaspora-mortgage channels.
Stanbic Bank Mortgages
Standard Bank Group subsidiary; corporate-friendly mortgage offerings.
HF Group (Housing Finance)
Kenya's specialised housing-finance bank, mortgage-led balance sheet.
Kenya Mortgage Refinance Company (KMRC)
Government-anchored mortgage refinance company that funds participating commercial banks and SACCOs to extend long-tenure home loans, especially for affordable housing.
KCB Bank Mortgages (S&L)
KCB's mortgage book is the largest in Kenya. Diaspora mortgages available via KCB Group's regional network.
Escrow agents
4 escrow agents.
Bank-operated escrow services under CBK supervision. Off-plan buyers and diaspora investors should insist on a neutral CBK-supervised fund-holder before any deposit.
KCB Escrow Services
KCB offers escrow accounts under standard CBK supervision; commonly used for off-plan deposits.
NCBA Escrow Services
CBK-supervised escrow arrangement available through NCBA. Frequently used for property transactions where buyer and seller need a neutral fund-holder.
Stanbic Bank Escrow
Stanbic provides corporate-grade escrow for property transactions.
Co-operative Bank Escrow
Co-op Bank operates escrow accounts for off-plan and resale property transactions where a regulated fund-holder is required.
Insurance providers
6 insurance providers.
IRA-licensed insurers for all-risks property cover, mortgage life and homeowner policies. Verify any insurer against the IRA roster before binding cover.
ICEA Lion General Insurance
IRA-licensed general insurer; popular for property and motor cover.
Jubilee Allianz General Insurance
Allianz-partnered general insurer; established mortgage-life and householder cover products.
CIC General Insurance
IRA-licensed; one of the largest general insurers, strong in the SACCO ecosystem.
Old Mutual Kenya
IRA-licensed insurer; mortgage-life and homeowner products.
APA Insurance
IRA-licensed general insurer; broad property cover portfolio.
Britam General Insurance
IRA-licensed insurer offering all-risks property policies, mortgage-life cover and title-insurance equivalents for residential buyers.
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