Process of Buying a House in Kenya: Complete Buyer’s Guide

Introduction

The process of buying a house in Kenya can feel overwhelming for first-time buyers, investors, and even diaspora clients. From identifying the right property to completing ownership transfer, every step matters. This guide explains the process clearly, highlights the key costs involved, and shows you how to buy safely with the support of Sarabi Realty.

Step 1: Identify the Right House

Start by deciding what kind of home fits your budget and lifestyle. Nairobi suburbs such as Kilimani, Kileleshwa, and Syokimau offer different pricing and amenities. Browse through our houses for sale in Nairobi and apartments for sale in Kilimani to explore current listings.

Step 2: Conduct a Title Search

Verify ownership by conducting a title search at the Ministry of Lands or on the ArdhiSasa platform. Ensure the seller is the rightful owner and that the property is free of disputes or loans.

Step 3: Hire a Licensed Advocate

A property lawyer is essential in the process of buying a house in Kenya. They will draft and review contracts, confirm ownership documents, and safeguard your interests.

Step 4: Negotiate and Draft the Sale Agreement

Once satisfied with the due diligence, negotiate terms with the seller. The sale agreement typically requires a 10% deposit on signing and the balance upon transfer of ownership.

Step 5: Property Valuation and Stamp Duty

The property must be valued by a government valuer before registration. Stamp duty is then paid at:

• 4% of the property value in urban areas
• 2% in rural areas

See the Kenya Revenue Authority for updated details on property taxes and stamp duty.

Step 6: Transfer of Ownership

The seller signs transfer forms in favor of the buyer. The Ministry of Lands registers the transaction, and a new title deed is issued in the buyer’s name.

Step 7: Handover and Post-Purchase Steps

After registration, the buyer takes possession of the property. It is advisable to:

• Fence the property if it is land
• Obtain approvals for renovations or developments
• Store all receipts and documents safely

Costs to Consider

Beyond the purchase price, buyers must budget for:

• Legal fees
• Stamp duty
• Valuation charges
• Survey costs if applicable

FAQs on the Process of Buying a House in Kenya

How long does it take to buy a house in Kenya?
The process can take 30–90 days, depending on due diligence and government approvals.

Can foreigners buy houses in Kenya?
Yes, but they can only own leasehold properties and not freehold land.

What are the hidden costs when buying a house in Kenya?
Stamp duty, lawyer fees, valuation fees, and sometimes survey costs.

Is it safe to buy property in Nairobi?
Yes, provided you work with licensed advocates and trusted agencies like Sarabi Realty.

Can I get a mortgage for buying a house in Kenya?
Yes. The Kenya Mortgage Refinance Company and banks offer financing options.

Final Thoughts

The process of buying a house in Kenya requires careful planning, due diligence, and legal support. By following these steps and working with Sarabi Realty Group, you can make safe and successful property investments. Ready to start your journey? Contact us today.