KCB Bank Kenya and the Kenya Defence Forces (KDF) have launched a 4% fixed-rate mortgage scheme for over 50,000 active military personnel. Unveiled on 16 July 2026, this initiative falls under the existing Civil Servants Housing Mortgage Scheme and is administered by KCB.

• Borrowers can secure loans at a 4% annual interest rate, repayable over up to 20 years.
• This is a significant reduction from the average commercial mortgage rate in Kenya, typically around 14.9%.
• The scheme aims to make homeownership more accessible to a wider range of KDF personnel, including junior ranks, by offering subsidized public-service mortgages.