How to Buy a Villa, Condo, or Maisonette in Kenya

By admin
October 15, 2025

How to Buy a Villa, Condo, or Maisonette in Kenya

By WKA Advocates — Kenya’s Trusted Experts in Real Estate, Property, and Conveyancing Law

Buying a villa, condo, or maisonette in Kenya is one of the most rewarding investments you can make — but it requires expert legal support to safeguard your interests.

Kenya’s property market has evolved into one of Africa’s most vibrant investment destinations — attracting local buyers, diaspora investors, and foreign nationals looking to own villas, condos, and maisonettes in prime neighborhoods such as Karen, Runda, Lavington, Kileleshwa, and Diani Beach.

Whether you are seeking a luxury villa in Nairobi, a beachfront maisonette in Ukunda, or a modern condominium in Westlands, buying property in Kenya requires due diligence, legal compliance, and a trusted legal advisor to guide you through the process.

At WKA Advocates, we specialize in property acquisition, conveyancing, land due diligence, and investment structuring for both local and international clients.
Here’s your definitive step-by-step guide on how to buy a villa, condo, or maisonette in Kenya.

🧭 1. Understand Property Ownership in Kenya

Before investing, it’s crucial to understand how land and property ownership works under Kenyan law.
The Constitution of Kenya (2010) and the Land Registration Act, 2012 recognize two main types of tenure:

Freehold: Grants absolute ownership of land indefinitely. Available only to Kenyan citizens.
Leasehold: Ownership for a specified term (often 99 years). This is the structure under which foreign nationals and companies can own land or property in Kenya.

If you’re buying a villa or condo in a development, the property usually comes with a leasehold interest, while standalone homes may sit on freehold titles.

🏗️ 2. Identify the Property and Conduct Due Diligence

Once you’ve identified a property — whether through a real estate agent, developer, or direct sale — your first step should be due diligence.

At WKA Advocates, we perform comprehensive property verification to protect clients from fraud and ensure clear ownership.

Key Due Diligence Steps

Title Search: Conducted at the Ministry of Lands to confirm legal ownership and any encumbrances (charges, caveats, or disputes).
Survey Plan Verification: Ensure boundaries align with the registered survey number.
Land Rates and Rent Clearance: Confirm that all land rates and rent are up to date.
Zoning and Land Use: Verify local authority approvals for residential, commercial, or mixed-use purposes.
Developer Licensing: For condos and maisonettes in gated developments, verify NEMA, NCA, and County approvals.

📜 3. Draft and Sign a Sale Agreement

Once due diligence is complete, the next step is to sign a Sale Agreement between the buyer and seller.
This legally binding document should be prepared and reviewed by your lawyer or advocate.

Key Components of the Sale Agreement

Full details of buyer and seller.
Description of the property (LR Number, location, type, size).
Purchase price and payment terms.
Obligations of both parties.
Completion and possession dates.
Penalty clauses for default.
Dispute resolution mechanism.

WKA Advocates ensures the Sale Agreement protects your interests, aligns with the Law of Contract Act (Cap 23), and complies with Kenyan conveyancing laws.

💰 4. Payment, Stamp Duty, and Valuation

After signing the Sale Agreement, payment can be made either directly or via escrow (recommended for security).
All property transactions attract Stamp Duty, which must be paid before transfer of ownership.

Stamp Duty Rates (as per the Stamp Duty Act):

4% of the property’s value (urban areas).
2% of the property’s value (rural areas).

A government valuation is conducted by the Chief Government Valuer to assess the market value of the property for tax computation.

WKA Advocates manages all tax compliance, stamp duty filing, and land registry submissions on behalf of clients.

🧾 5. Property Transfer and Registration

After payment and clearance of taxes, your lawyer lodges the transfer documents with the Land Registry for registration.
Once approved, a new Title Deed (for villas and maisonettes) or Lease Certificate (for condos) is issued in your name.

Required Documents Include:

Original Title Deed/Lease Certificate.
Stamped Transfer Forms.
Land Rent & Rates Clearance Certificates.
KRA PIN Certificates for buyer and seller.
National ID/Passport copies.
Consent to Transfer (if required).

Registration timelines may vary between 30–90 days, depending on the property type and registry location.

🏢 6. Buying a Condo or Maisonette in a Shared Development

Condos and maisonettes in gated estates or apartment blocks are subject to Sectional Titles and Management Agreements.

Under the Sectional Properties Act, 2020, unit owners receive individual Sectional Titles, allowing them to own their unit and share common areas such as parking, gyms, and pools through an Owners’ Association.

WKA Advocates helps clients:

Review the Sectional Plan and by-laws.
Verify developer registration and ownership of mother title.
Ensure compliance with the Conveyancing Manual and Sectional Properties Act.

🌍 7. Buying Property as a Foreigner or Diaspora Investor

Foreigners and Kenyans in the diaspora can legally buy villas, condos, and maisonettes under leasehold tenure.

Foreign investors are required to:

Obtain a KRA PIN Certificate (for tax registration).
Ensure property ownership complies with Article 65 of the Constitution.
Register with the Kenya Investment Authority (KenInvest) if investing commercially.

WKA Advocates regularly represents international clients purchasing property in Kenya remotely, offering power of attorney services, escrow management, and title registration.

💼 8. Financing and Mortgage Options

Kenya’s leading financial institutions, including KCB, NCBA, Stanbic, and Housing Finance, offer mortgage facilities for local and diaspora clients.

Before financing is approved:

The bank conducts an independent valuation.
A charge (lien) is registered on the property title.
Repayment terms and interest rates are confirmed.

Tip: Always consult your lawyer before signing any bank or mortgage agreement to understand obligations and foreclosure clauses.

⚠️ 9. Common Pitfalls to Avoid

Buying Property Without Legal Verification – Avoid direct transactions without a lawyer.
Fake Titles or Duplicate Registrations – Always confirm the title from the Ministry of Lands.
Unapproved Developments – Ensure building and zoning approvals exist.
Incomplete Sectional Registration – Condos must have sectional plans and registered management companies.
Verbal Agreements – Only written and witnessed contracts are legally enforceable.
Ignoring Taxes – Always account for stamp duty, land rates, and property taxes.

🧑‍⚖️ 10. Why You Need a Real Estate Lawyer

Purchasing property in Kenya is a complex legal process that requires professional guidance and compliance at every stage.
A property lawyer ensures:

Full due diligence and ownership verification.
Secure sale agreement drafting.
Proper registration at the Lands Registry.
Tax, valuation, and legal compliance.
Protection from fraud, delays, or invalid titles.

At WKA Advocates, we act as your trusted legal partner — from offer to title registration.

❓ FAQs: Buying a Villa, Condo, or Maisonette in Kenya

1️⃣ Can foreigners buy property in Kenya?

Yes. Foreigners can own property on a leasehold basis (up to 99 years), provided the land is not agricultural.

2️⃣ What’s the difference between a villa, condo, and maisonette?

Villa: A standalone luxury home, often in gated estates.
Condo: An apartment unit with shared amenities under sectional ownership.
Maisonette: A two-level house, often semi-detached, with private entry.

3️⃣ How long does property transfer take?

Typically 30–90 days, depending on the Lands Registry and nature of transaction.

4️⃣ What taxes apply when buying property?

Stamp duty (2–4%), legal fees (1–2%), valuation fees, and land rates.

5️⃣ Should I buy through a lawyer or agent?

Always through a lawyer. Agents facilitate property search, but lawyers ensure legal ownership and compliance.

6️⃣ What documents do I receive after buying?

A Title Deed (for freehold) or Lease Certificate (for leasehold), Land Rent and Rates Clearance Certificates, and a Transfer Form.

7️⃣ How can diaspora buyers purchase remotely?

Through a Power of Attorney, allowing WKA Advocates to handle all steps on their behalf.

8️⃣ What is sectional ownership?

Ownership of an individual unit (condo) within a larger development, governed by the Sectional Properties Act, 2020.

9️⃣ Can I buy land and build my own villa?

Yes. Ensure you obtain development approvals from the County Government and NEMA.

🔟 Why choose WKA Advocates?

We offer end-to-end property acquisition services, from due diligence and sale agreements to title registration, ensuring every transaction is compliant and secure.

Conclusion

Buying a villa, condo, or maisonette in Kenya is one of the most rewarding investments you can make — but it requires expert legal support to safeguard your interests.
Whether you’re a Kenyan in the diaspora, a foreign investor, or a local buyer, WKA Advocates ensures that your purchase is secure, transparent, and compliant with Kenyan property law.

From title searches to registration, we walk with you every step of the way — making your dream home or investment a reality.

📞 Call: +254 798 035 580
📧 Email: info@wka.co.ke
🌐 Website: www.wka.co.ke
📍 Office: Valley View Business Park, 6th Floor, Suite No. 35, Parklands, Nairobi