Register a charge (a loan or mortgage secured on your land)
State Department for Lands and Physical Planning · sources read 2 Oct 2026
To use land as security for a loan, lodge the signed charge, the consent to charge, your spouse's consent, the original title and stamp duty proof at the land registry. Stamp duty is 0.1% of the amount secured, plus KSh 1,000 registration and a KSh 2,500 title fee. It takes about 3 days.
- Fee
- KSh 1,000Registration fee (charge)KSh 2,500Title fee (charge)
- How long
- About 3 days at the registry once all documents are in
- Where
- The land registry where the land is registered
What you need
- Signed charge instrument, consent to charge and spousal consent
- Original title deed and proof of stamp duty payment
- Copy of ID or passport, KRA PIN certificate and 2 passport-size photos
Steps
- Sign the charge with your lender and get the consent to charge and your spouse's written consent.
- Pay stamp duty of 0.1% of the amount secured and keep the receipt.
- Lodge the documents with the original title at the land registry and pay KSh 1,000 registration plus KSh 2,500 title fee.
- The charge is registered on the title and stays there until the loan is fully repaid.
Watch out
- Your spouse must consent in writing, or the charge won't be registered.
- Clearing the loan does not remove the charge by itself. You must register a discharge afterwards.
Who can apply
- A registered landowner using the land as security for a loan, together with the lender.
Official sources (2)
- Charges & Discharges lands.go.ke · read 2 Oct 2026
- SDLPP Service Charter (Updated 2025) lands.go.ke · read 2 Oct 2026