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Mortgage calculator

Plan your property payments

Estimate your monthly mortgage repayment, compare cash and instalment plans, and see how much property fits your budget, all in one free calculator.

Loan amount–
Monthly repayment–
Total interest–

Open the full mortgage calculator → Estimates only, for planning. Actual payment plans, deposits and mortgage terms are set per project and by your lender; confirm with our team.

Affordability calculator

How much property can I afford?

Enter your income, existing loans and savings. We estimate the home price you could finance with a mortgage, the plot budget on a Luxe Homes instalment plan, and the projects that fit.

You can commit monthly–
Home price with a mortgage–
Max mortgage loan–
Plot budget on instalments–

Luxe Homes projects in your budget

    Estimates only, for planning. Lenders assess income, credit history and other commitments; actual loan amounts, deposits and rates are set by your bank or SACCO. Luxe Homes payment plans vary by project.

    Ways to pay

    Cash, instalments or a mortgage

    Cash

    The lowest total price. Selected projects offer a cash discount compared with instalments.

    Luxe Homes instalments

    Pay a deposit and spread the balance over an agreed period on selected projects, with no bank loan needed.

    Bank or SACCO mortgage

    For homes such as Neema Court and Casa Bonita, finance through your bank or SACCO. We help with the property documents lenders request.

    Homes you can finance

    Family homes in Ruiru–Mugutha

    Mortgage FAQs

    Questions about financing

    General guidance only. Confirm terms with your lender, and read How to Plan for Your First Home.

    How is the monthly mortgage repayment calculated?

    The calculator uses the standard reducing-balance (amortisation) formula: the loan amount (price minus deposit) is repaid in equal monthly instalments over the term at the interest rate you enter. Your bank's figure may differ slightly because of fees, insurance and how it applies the rate.

    How much deposit do I need for a mortgage in Kenya?

    Many Kenyan lenders ask for a deposit of around 10% to 20% of the property value, depending on the bank, the property and your profile. Some offer higher loan-to-value for first-time buyers. Confirm the exact requirement with your lender.

    What interest rate should I use?

    Mortgage rates in Kenya vary by lender and over time, and can be fixed or variable. Ask two or three banks or SACCOs for a quote and enter their rate to compare. The default figure in the calculator is only an example.

    What other costs should I budget for?

    Besides the deposit, plan for stamp duty, legal fees, valuation fees, mortgage arrangement fees, and insurance (mortgage protection and property insurance). Ask your lender and advocate for a full cost estimate.

    Can I buy a Luxe Homes property without a mortgage?

    Yes. Selected projects can be bought for cash or through Luxe Homes' structured instalment plans. Use the "Payment plan" tab to compare the cash price with paying in instalments.

    How much property can I afford?

    Use the "Affordability" tab. A common guide is to keep property payments within about a third of your monthly net income. It also lists the Luxe Homes projects within your budget.

    Results are estimates for planning only and are not a loan offer or financial advice. Actual deposits, interest rates, fees and repayments are set by your lender, and Luxe Homes payment plans vary by project.