NCBA mortgage 2026: the complete review
NCBA emerged from the merger of CBA and NIC and has built a distinct premium and SME residential mortgage book. Here is the honest 2026 review of NCBA mortgages including rates, processing, eligibility and how to get a yes.
NCBA emerged from the merger of CBA and NIC and has built a distinct premium and SME residential mortgage book. Here is the honest 2026 review of NCBA mortgages.
Rates and tenure (2026)
- Rate range: typically CBR plus 2.5 to 4 percent margin (variable)
- Tenure: up to 25 years on residential mortgages
- Loan-to-value: typically 70 to 90 percent depending on profile
- Maximum repayment age: typically 65 to 70
Main products
- Premium Residential Mortgage: flagship variable rate
- Diaspora Mortgage: for Kenyans living abroad
- Construction Loan: tranche-based for self-build
- SME Owner-occupier: for small business owners with alternative income verification
Eligibility
- Stable income; SME owner profiles considered with strong financials
- Debt service ratio typically capped around 50 percent of net income
- KRA tax compliance certificate
- Identity, residency, bank statements (typically 12 months)
- Property valuation by panel valuer
Diaspora notes
- NCBA has built a credible diaspora mortgage process
- Foreign payslip and tax return acceptance
- Some clients use a Kenyan co-borrower or guarantor
- Repayment in KES; foreign exchange risk on USD/GBP earners
How to get a yes
- Existing NCBA banking relationship helps materially
- Strong CRB report
- Clean debt service ratio after the loan
- Documentation pack complete on day one
Some banks lend to payslips. NCBA has built a real process for lending to small business owners whose income looks different on paper. That matters.
How Goldstay handles it
For mortgage clients we compare NCBA against KCB, Stanbic and others. Read also our pieces on KCB mortgage 2026 and KCB vs NCBA comparison.
The Goldstay Legal Desk covers Kenyan and Ghanaian property law, title diligence, sale agreements, stamp duty, succession and the regulatory environment that property owners and investors encounter. Pieces are written in collaboration with our advocate partners.
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