Mortgages and Charge Registration in Kenya

Updated October 12, 2026 · Published by WKA Advocates

When you borrow against land, the lender takes a charge registered against your title.

Creating a charge

The charge document is signed, spousal consent obtained if needed and the charge is registered at the lands registry.

Rights on default

A lender must follow statutory notices before selling charged property.

Discharge

After repayment, obtain a discharge of charge and have it registered so the title is clear again.

Learn more about our conveyancing services, the land transfer process and real estate law in Kenya, or read our FAQs.

General information only, not legal advice. Laws, rates and procedures change, so confirm the current position with an advocate.

Review the Lender’s Conditions Early

Identify the borrower’s costs, required insurance, valuation and security documents before fixing completion arrangements. Ask who will confirm registration and how the ownership documents will be held.

Related Guides and Legal Support

• Leases, Charges & Mortgages in Kenya
• Commercial Lease Agreements in Kenya: What to Negotiate

For wider support, explore Property contracts and financing advice on the official WKA Advocates website, or contact our Nairobi team with your transaction details.

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