Your Complete Guide to Buying an Apartment in Kenya

By admin
October 15, 2025

Your Complete Guide to Buying an Apartment in Kenya

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

Buying an apartment in Kenya is an exciting and valuable investment — but success lies in getting the legal process right.

Buying an apartment in Kenya has become one of the most popular investment options for both local buyers and diaspora investors. As urbanization accelerates, demand for apartments in Nairobi, Mombasa, Kisumu, and other major cities continues to rise — fueled by modern lifestyle needs, growing middle-class incomes, and investor appetite for rental yields.

However, while apartment ownership can be rewarding, it also requires a clear understanding of Kenya’s real estate laws, registration process, taxes, and compliance requirements.

At WKA Advocates, we specialize in property acquisition, conveyancing, land verification, and real estate investment advisory for both local and foreign clients. Here’s your complete step-by-step guide to buying an apartment in Kenya.

🧭 1. Understanding Apartment Ownership in Kenya

In Kenya, apartments are legally governed under the Sectional Properties Act, 2020, which provides for individual ownership of units and shared ownership of common areas such as parking lots, corridors, gardens, and swimming pools.

When you buy an apartment, you own:

The specific unit (registered under a sectional title).
A proportionate share in the common property managed by a Management Corporation (MC).

This structure ensures that every apartment owner holds a registered title deed, offering full ownership rights and legal protection.

🏢 2. The Legal Framework Governing Apartment Purchases

Key laws governing apartment ownership and transactions in Kenya include:

The Sectional Properties Act, 2020
The Land Registration Act, 2012
The Land Act, 2012
The Law of Contract Act (Cap 23)
The Land Control Act (Cap 302) (for controlled land transactions)

These laws collectively ensure that all property transactions — including buying, selling, and registering apartments — are transparent and legally enforceable.

🧱 3. Step-by-Step Process of Buying an Apartment in Kenya

Step 1: Identify the Apartment

Select a suitable apartment based on location, amenities, developer reputation, and pricing. Common hotspots include Kilimani, Lavington, Westlands, Ruaka, and Kileleshwa.

Step 2: Conduct Due Diligence

This is the most critical stage.
Your lawyer conducts comprehensive checks to confirm:

Title authenticity and property ownership.
Developer approvals (NEMA, NCA, and County permits).
Land rent and rates clearance.
Approved sectional plan and mother title verification.

WKA Advocates handles complete due diligence to protect buyers from fraudulent transactions and ensure the developer has legal ownership.

Step 3: Sign the Sale Agreement

Once verification is complete, a Sale Agreement is signed between the buyer and developer or seller.
This legally binding contract outlines:

Purchase price and payment schedule.
Project completion timeline (for off-plan purchases).
Unit specifications and delivery standards.
Rights, obligations, and remedies in case of default.

All Sale Agreements must comply with the Law of Contract Act and be prepared by a qualified advocate.

Step 4: Pay Stamp Duty and Taxes

Before transfer, the buyer must pay Stamp Duty as required under the Stamp Duty Act:

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

Additional costs include:

Legal fees (approx. 1–2% of property value).
Valuation fees.
Registration fees.

WKA Advocates coordinates all payments and ensures proper filing of stamp duty and tax returns.

Step 5: Transfer and Registration

Once payment is complete, transfer documents are lodged with the Land Registry for registration.
For apartments, the buyer receives a Sectional Title under the Sectional Properties Act, 2020.

You will receive:

A Title Deed (Leasehold or Freehold) for your apartment.
A Share Certificate in the Management Corporation (for common areas).
Land Rent and Rates Clearance Certificates.

This process typically takes between 30 and 90 days depending on the Lands Registry’s workload.

💡 4. Off-Plan Apartment Purchases

Many buyers choose to invest off-plan — buying apartments before construction is completed.
While this can yield high returns, it requires caution.

WKA Advocates Recommends:

Verify developer credentials and past projects.
Confirm project approvals and architectural plans.
Ensure payment is tied to project milestones.
Include a refund clause in case of delays or non-completion.

Legal supervision is essential to secure your investment and ensure you’re dealing with a credible developer.

⚖️ 5. Taxation & Ownership Considerations

When buying an apartment in Kenya, be aware of the following taxes and fees:

Stamp Duty — 2–4% based on location.
Capital Gains Tax (CGT) — 5% when selling property.
Rental Income Tax — For apartments leased to tenants.
Withholding Tax — For foreign investors earning income in Kenya.

WKA Advocates offers tax planning and compliance advisory to optimize your property investment returns.

🌍 6. Buying as a Foreigner or Diaspora Investor

Foreign nationals and Kenyans living abroad can legally buy apartments under leasehold tenure (up to 99 years).

Requirements:

KRA PIN certificate.
Passport copy and immigration documentation.
Lease agreement from developer.
Compliance with Article 65 of the Constitution of Kenya (2010).

WKA Advocates provides Power of Attorney (POA) services, allowing diaspora clients to complete transactions remotely.

🧾 7. Financing Options

Major Kenyan banks such as KCB, Stanbic, NCBA, Co-op Bank, and Absa offer mortgage loans for apartment buyers.

Mortgage terms depend on:

Borrower’s income.
Value of property.
Loan tenure (usually 10–20 years).

Tip: Always review loan terms with your lawyer to understand interest rates, default penalties, and foreclosure risks.

⚠️ 8. Common Mistakes to Avoid

Skipping legal due diligence.
Buying from unregistered developers.
Ignoring property taxes and stamp duty.
Signing incomplete or verbal agreements.
Overlooking management corporation rules and service charges.
Failing to obtain title or transfer documents.

Our firm ensures your purchase is legally sound, tax-compliant, and properly registered.

🏛️ 9. Why Work with WKA Advocates

At WKA Advocates, we specialize in:

Property due diligence and land verification.
Sale Agreement preparation and review.
Stamp Duty, taxation, and compliance filings.
Sectional Title registration and conversion.
Real estate investment and immigration advisory.

We represent local buyers, foreign investors, real estate developers, and diaspora clients looking to invest confidently in Kenya’s property market.

📞 Call: +254 798 035 580
📧 Email: info@wka.co.ke
🌐 Website: www.wka.co.ke
📍 Office: Valley View Business Park, 6th Floor, Suite 35, Parklands, Nairobi

❓ FAQs: Buying an Apartment in Kenya

1️⃣ What legal documents are required when buying an apartment?

Sale Agreement
Title Deed or Mother Title copy
KRA PIN certificate
Land Rent and Rates Clearance Certificates
National ID/Passport copies

2️⃣ What is a sectional title?

A registered title deed for individual apartment ownership, issued under the Sectional Properties Act, 2020.

3️⃣ How long does apartment transfer take?

Typically 30–90 days depending on the Land Registry.

4️⃣ Can foreigners buy apartments in Kenya?

Yes. They can own leasehold apartments (up to 99 years) under Kenyan law.

5️⃣ What taxes apply to apartment purchases?

Stamp Duty (2–4%), Capital Gains Tax (5% on sale), and Rental Income Tax if leased.

6️⃣ What are the risks of buying off-plan?

Unfinished projects, fake approvals, and delayed completions. Always verify the developer and have a legal agreement.

7️⃣ How is maintenance handled in apartments?

Through a Management Corporation (MC), where owners contribute to shared maintenance costs.

8️⃣ Do I need a lawyer to buy an apartment?

Yes. Property purchases require legal oversight to verify ownership, prepare contracts, and register titles.

9️⃣ What happens if the developer fails to deliver?

You can enforce the Sale Agreement through legal action or arbitration for breach of contract.

🔟 How can WKA Advocates assist me?

We provide full legal support from due diligence and Sale Agreement drafting to title registration and tax compliance.

Conclusion

Buying an apartment in Kenya is an exciting and valuable investment — but success lies in getting the legal process right.

Whether you’re purchasing for residence, rental income, or capital appreciation, engaging a qualified property lawyer ensures that your transaction is secure, compliant, and transparent.

At WKA Advocates, we provide expert legal guidance to both local and international clients, helping you invest confidently in Kenya’s thriving real estate market.