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Business Banking

Actualize your dream with a Co-op Bank mortgage or construction loan

Co-operative Bank is Regulated by the Central Bank of Kenya.

Business Mortgage and Construction Loans

Turn your blueprints into buildings. Talk to us about our mortgage or construction loans.

We finance construction or renovation of residential or commercial properties.  These loans are granted for up to a maximum period of 20 years for single dwelling units and 10 years for residential commercial units.

  1. Competitive interest rates
  2. Affordable instalments with a repayment period of up to 20 years 
  3. We also give you a moratorium (grace period) of six months
  4. The house you purchase can be used as collateral and its rental income can be used to repay the loan
  1. Copies of identification documents, that is, Memorandum and Articles of Association as well as a Certificate of Incorporation (for registered companies)
  2. Business Registration Certificate
  3. Identity cards for borrowers who do not have registered businesses  
  4. Identity cards for directors of registered companies and registered businesses
  5. Bank statements for 6 months
  6. Audited accounts for loans above Ksh 5 million
  7. Resolution to borrow (for registered companies) and details of business location
  8. Necessary approvals by City Council, the local authorities, NEMA and securities to be provided
Product Fact sheet

Mortgage Finance






  1. Acquisition

Purchase of Property in Kes, USD, Eur and GBP

  • Interest Rate Kes 13% *bank base rate + margin
  • Interest Rate Fcy 10% *currently based on Libor
  • Appraisal Fee Kes 3%
  • Appraisal Fee Fcy 2%
  • Annual Review fee 1% of the outstanding loan amount

Up to a maximum of 20 years *subject to retirement age

  1. Construction

Construction of Residential and Commercial Property.

  1. Balance Transfer

Transfer your mortgage to the bank from another financial institution.

  1. Equity Release

Client borrows against their property which is released to the bank as collateral

  1. Project Finance

Financing to build commercial property for corporates and Co-operatives

  1. Mortgage Schemes

Government Funded Schemes

Interest Rate 3%


Up to a maximum of 25 years *subject to retirement age

Private Funded Schemes

Dependent on funding given up to 13% interest rate for Kes

Up to a maximum of 20 years *subject to retirement age

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