Finance

The 2026 Mortgage Outlook: Fixed vs. Variable Rates in a Stable Economy

By Paul Kamau2025-12-2913 min read
The 2026 Mortgage Outlook: Fixed vs. Variable Rates in a Stable Economy

Single Digit Dreams

Thanks to the Kenya Mortgage Refinance Company (KMRC), 9% fixed-rate mortgages are now accessible to the middle class in 2026. We list the 10 banks currently offering these subsidized rates.

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MortgagesKMRCBanking
Paul Kamau

Paul Kamau

Senior Market Analyst at Murivest Realty Group with over 20 years of experience in commercial real estate investment and market research. Sarah specializes in identifying emerging market trends and investment opportunities in Nairobi's commercial property sector.