Directory · Finance
Mortgage · Escrow · Insurance
18 providers, every entry links to the regulator that licenses them so you can verify before sharing any personal information. We do not recommend any individual provider; we publish the directory.
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.
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.
Co-operative Bank Mortgages
Co-op Bank mortgage book serves the SACCO ecosystem and is one of the most accessible diaspora-mortgage channels.
NCBA Bank Mortgages
Tier-1 commercial bank with mortgage products and the Loop digital banking channel popular with diaspora users.
Stanbic Bank Mortgages
Standard Bank Group subsidiary; corporate-friendly mortgage offerings.
I&M Bank Mortgages
Tier-1 commercial bank with prime-residential mortgage offerings.
Absa Bank Kenya Mortgages
Formerly Barclays Kenya; mortgage products including diaspora-friendly options.
HF Group (Housing Finance)
Kenya's specialised housing-finance bank, mortgage-led balance sheet.
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.
NCBA Escrow Services
CBK-supervised escrow arrangement available through NCBA. Frequently used for property transactions where buyer and seller need a neutral fund-holder.
Co-operative Bank Escrow
Co-op Bank operates escrow accounts for off-plan and resale property transactions where a regulated fund-holder is required.
KCB Escrow Services
KCB offers escrow accounts under standard CBK supervision; commonly used for off-plan deposits.
Stanbic Bank Escrow
Stanbic provides corporate-grade escrow for property transactions.
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.
Britam General Insurance
IRA-licensed insurer offering all-risks property policies, mortgage-life cover and title-insurance equivalents for residential buyers.
Jubilee Allianz General Insurance
Allianz-partnered general insurer; established mortgage-life and householder cover products.
ICEA Lion General Insurance
IRA-licensed general insurer; popular for property and motor cover.
APA Insurance
IRA-licensed general insurer; broad property cover portfolio.
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.
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