5 Tips for First-Time Home Buyers in Kenya
Buying your first property is one of the biggest financial decisions you will make. These five tips go beyond the basics to help you avoid the mistakes that catch most first-time buyers off guard.
1. Get Mortgage Pre-Approval Before You Shop
Knowing your actual borrowing limit before you start viewing properties saves time and strengthens your negotiating position with sellers.
2. Always Run an Independent Land Search
Never rely solely on documents shown by the seller or agent. An official search at the Ministry of Lands confirms the registered owner and reveals any existing charges or disputes.
3. Budget for the Full Cost, Not Just the Price
Stamp duty, legal fees, valuation fees and agency commission typically add 7-10% on top of the purchase price. Factor this in from the start.
4. Inspect the Service Charge History
For apartments, ask for the last 12 months of service charge statements. Unpaid arrears on a unit can become the new owner’s responsibility.
5. Use a Registered Advocate for the Transfer
A qualified advocate protects you through the sale agreement, due diligence and transfer registration. It is worth the fee.
Ready to start your search? Our team can help you find a property that fits your budget and your checklist.