Land For All #Land4All
Powered by TerraGo Real Estate
Found land you love somewhere else? Tell us where it is. If it checks out, we buy it for you, and you pay for it over 1 to 4 years (12 to 48 months).
Don't let upfront cash stand between you and the land you want.
How Buy-to-Own works
-
You find the land
We're starting with Kampala and the neighbouring districts. Send us the location and the seller's details on WhatsApp.
-
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.
-
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.
-
You pay a 20% commitment
You pay 20% and we pay 80%. Your commitment secures the purchase and shows us you are serious; the 80% we finance goes onto your chosen payment plan.
-
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.
Work out your Buy-to-Own payment
Your final price is the certified valuation or the negotiated price, whichever is lower.
Enter the asking price above to see your commitment, what we finance, and your payments.
| Plan | You pay |
|---|---|
| Quarterly | UGX 2,552,096 |
| Monthly | UGX 850,699 |
| Weekly | UGX 196,315 |
| Daily | UGX 27,968 |
Total you pay: UGX 23,731,179
Total you pay includes your 20% commitment. Your payment amount stays the same from first instalment to last.
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:
| Cost | Who pays, and when |
|---|---|
| Valuation fees (2.5% of the land value) | You pay this when you initiate the purchase. It is not refundable, because it goes to the independent third-party valuer, not to TerraGo. |
| Stamp duty and transfer to TerraGo | Paid by TerraGo. |
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.
Tell us about the land you found
This starts as a conversation, not a checkout. Send us the location and asking price on WhatsApp and we will tell you whether it can work.