09/05/2026
JOINT OWNERSHIP VS IN COMMON: KNOW THE DIFFERENCE BEFORE YOU BUY LAND
Have you and your friends or business partners invested in land together? This one is for you.
Alex, Martin, and Paul are friends and business partners. Sometimes in 2021, they contributed money and bought a 2-acre parcel of land worth Kshs. 3 million in Malaa, Machakos. The title was registered jointly in all their names, and they were very happy and proud of themselves. Their spouses and families were aware of the investment and they even organised a party to celebrate the achievement and resolved to make more land investments in future. The land is undivided. Sounds simple, right? It isn’t and this is where and why many buyers of land accidentally lose their hard earned money and investments to their friends and business partners. We'll explain why.
Generally, there are 2 ways in which 2 or more people can own land together:
1. Joint Ownership (Joint Tenancy)
This is a form of co-ownership where two or more persons hold the same, undivided interest in land as a single unit, with no identifiable individual shares. If and when one joint owner dies, their interest doesn’t pass to their family or beneficiaries but automatically passes to the surviving joint owners. No succession. No transmission to heirs. No division of shares. This is what Alex, Martin, and Paul chose, whether knowingly or not. If either of them dies, his share goes to the remaining joint owners, not his family or beneficiaries, and there's absolutely nothing his family and beneficiaries can do about it.
Our advice is that joint ownership is ideal and great for spouses, but dangerous for business partners.
2. Ownership in Common (Tenancy in Common)
This is a form of co-ownership where two or more persons hold identifiable, distinct shares in the same parcel of land, even though the land itself is not physically divided. Each owner’s share is separate, transferable, and inheritable. In simple terms, each person owns a distinct share, say, 1/3, 1/2, 2/3, 10%, 20%, 50% or whatever they agree. If one co-owner dies, their share passes through their estate to their heirs or beneficiaries. This is what land-buying groups, chamas, and business partners like Alex, Martin, and Paul should be doing when buying land jointly, but they don’t.
Before you and your friends or business partners buy land together, ask one hard question - “If one of us dies or exits, what happens to their share?” Remember, land law doesn’t forgive ignorance. So don't be ignorant.
For more insights:
đź“§ [email protected]
📞 0746 532 059