How to Buy a House in Kenya
by Royal Wood Homes on 
Buying a house in Kenya is a rewarding yet complex process. Follow these steps to navigate it smoothly and securely:
1. Budget & Financing
• Assess your finances: Determine how much you can afford (include legal fees, taxes, and agent commissions).
• Explore financing: Options include cash, bank mortgages (e.g., KCB, Equity), SACCO loans, or developer installment plans.
2. Legal Preparation
• Obtain a KRA PIN and valid ID (mandatory for transactions).
• Hire a qualified advocate specializing in property law to guide you.
3. Property Search & Verification
• Use registered agents or trusted platforms (e.g., BuyRentKenya) to find properties.
• Verify the seller’s ownership at the Ministry of Lands (Ardhi House) via a land search (KSH 500).
• Physically inspect the property and check for encumbrances.
4. Due Diligence
• Ensure the seller has a Clearance Certificate from the National Land Commission.
• Confirm the land has valid title deeds, approved survey maps, and necessary approvals (e.g., NEMA, county government).
• Check for unpaid land rates or disputes (request a search certificate).
5. Make an Offer & Sign Agreement
• Negotiate the price and terms.
• Draft a Sale Agreement (by your advocate) outlining payment terms, handover date, and penalties for breach. Both parties sign, and you pay a deposit (10–30%).
6. Conveyancing Process
• Your advocate conducts searches, prepares transfer documents, and liaises with the seller’s advocate.
• Pay stamp duty (2–4% of property value) and obtain a stamp duty certificate.
7. Final Payment & Registration
• Clear the balance (as per the agreement).
• Submit transfer documents to the Ministry of Lands for registration (KSH 1,000–5,000).
• Receive the title deed in your name (takes 2–6 months).
8. Take Possession
• Sign a completion document and collect keys.
• Update utility bills (water, electricity) to your name.
Key Tips
• Avoid cash transactions — use bank transfers for traceability.
• Insist on original title deeds and verify all documents at Ardhi House.
• Beware of fraud: Only deal with licensed agents and advocates.
The process typically takes 60–90 days. Partnering with professionals ensures compliance with Kenya’s Land Act and safeguards your investment. Secure your dream home with confidence by prioritizing due diligence and legal checks!
