Title Deed Loans in Kenya – Unlock the Value of Your Property
Turn Your Land into Liquid Capital
At Together As One Microfinance, we offer fast, secure, and flexible title deed loans in Kenya, allowing you to leverage your land or property to access much-needed funding — without selling your asset.
What Is a Title Deed Loan?
A title deed loan is a secured loan where your property’s title deed (land or building) is used as collateral. Together As One holds the deed as security while you repay the loan, allowing you to retain full use of your property during the repayment period.
We offer a transparent, fast, and flexible process, ensuring that you can unlock cash from your property safely and efficiently.
Why Choose Together As One for Title Deed Loans?
⚡ Fast Approval & Disbursement: Get funds within 24–48 hours after verification and valuation.
💰 High Loan Limits: Borrow up to 60–70% of your property’s assessed value.
📈 Flexible Repayment Terms: Repayment schedules tailored to your financial situation.
🔍 Transparent Costs: No hidden fees; all charges disclosed upfront.
🔒 Secure Handling: Your title deed is safely held and returned upon repayment.
🏠 Keep Your Property: Use your land or building as collateral without selling it.
Eligibility & Requirements
To qualify for a title deed loan with Together As One, you will need:
A valid title deed registered in your name or jointly owned
National ID and KRA PIN
Proof of income (salary or business) for repayment assessment
Passport-size photos and other required documentation
Once verified, your loan is processed quickly for same-day or next-day funding.
How Application of Title deed Loans Works – Step by Step
Apply: Submit your title deed loan application online or at a branch.
Submit Documents: Provide your title deed, ID, PIN, and proof of income.
Property Valuation: A licensed valuer assesses your property.
Loan Approval: Receive a loan offer based on your property’s value.
Sign & Disburse: Sign the agreement and receive funds.
Repayment: Pay according to your agreed schedule.
Deed Release: After repayment, your title deed is returned, and any charge lifted.
Risks & Considerations
Property Risk: Defaulting may lead to legal action to recover the loan.
Valuation Risk: Loan amount depends on property assessment.
Legal Charges: There may be legal and valuation fees.
Due Diligence: Ensure your title deed is clean and dispute-free before applying.
Why a Title Deed Loan Might Be Right for You
Access large sums of cash without selling your property
Cover urgent financial needs such as business, school fees, or emergencies
Enjoy longer repayment terms compared to unsecured loans
Work with a trusted microfinance institution that provides transparent lending
How to Apply Today
Fill out the online application form or visit one of our branches
Submit your title deed and supporting documents
Speak to our loan officer for guidance and next steps
Frequently Asked Questions (FAQs)
Q: How long does it take to get approval?
A: Usually within 24–48 hours once documentation and valuation are complete.
Q: Can I continue using my property while the loan is active?
A: Yes, you retain full use of your land or building.
Q: What happens when I pay off the loan?
A: Your title deed is released back to you, and any registered charge is removed.
Q: What types of properties are accepted?
A: Residential and agricultural land are generally accepted, provided the title deed is clean.