Land For All #Land4All

How Buy-to-Own works

1. You find the land

   We're starting with Kampala and the neighbouring districts. Send us the location and the seller's details on WhatsApp.

2. An independent valuer confirms what it is worth

   We use a valuation provided by a certified professional or the negotiated price, whichever is lower. That number sets your price. You are never asked to accept a price we invented.

3. We run the checks

   Title search, survey, encumbrances. If the land does not pass, we tell you why, and you will have learned something important about that land for a fraction of what a bad purchase costs.

4. You pay at least 20% upfront

   You pay 20% or more to the seller, and TerraGo pays the rest. Your down payment secures the purchase and shows us you are serious; what TerraGo pays goes onto your chosen payment plan. Put down more if you can, and your instalments shrink.

5. We buy it for you and register it in TerraGo's name

   You pay the balance on your plan: up to 48 months (4 years), daily to quarterly. When you finish, you get the title.

What we cannot buy

"Any land" has limits, and you deserve to know them before you spend a shilling on valuation. We cannot buy:

• Land without a clean, registered title
• Kibanja with sitting tenants or unresolved occupancy
• Wetlands or land under environmental restriction
• Land under caveat, court dispute, or unresolved succession
• Land the valuer cannot access or verify

If you are unsure which side of the line your land falls on, ask us first. The check costs you nothing.

The costs

Here is exactly who pays what, before you spend a shilling:

What happens if you fall behind

The policy is the same as for a TerraGo estate purchase. A late instalment attracts a daily penalty of 0.1% of that instalment. After 9 days you are in default, and you then have a 21-day cure period to clear what is outstanding before the agreement can be ended.

Read the full step-by-step policy.