68 AN acts on both sides of a forced auction — before it, selling the property at full market value so the owner keeps the difference; after it, pursuing the surplus the sale should have returned.
No upfront fee. No capital required from you — either side of the auction.
The statutory gap between what an auction may accept and what we make sure a private sale actually achieves — full value, every deduction accounted for, nothing hidden.
+25%RecoverableEverything 68 AN does serves a single mandate: the owner keeps the value the law says is theirs — before the hammer falls, after it, and in every sale we handle.
We rescue distressed property from forced sale: selling by private treaty at open-market value, settling the lender in full, and returning the surplus to the owner — end to end, inside the statutory window.
Your property was already auctioned — and the balance above the debt never reached you. That money is yours by law. We demand the full sale account from the lender and pursue every shilling owed.
Grounded in the Land Act 2012, s. 101 — the balance of sale proceeds belongs to the chargor.
Recovered and sourced assets, sold at fair market value with clean paperwork: land with verified titles, completed homes, and vehicles from recovery mandates — every listing title-searched before it appears.
The law builds time into every enforcement — at least 40 days after the lender's notice, plus the auctioneer's own notice period. That window is where we work.
Confirm the property is still in the pre-sale window and a private sale or redemption remains possible.
TimingTitle search, professional valuation, and the lender's redemption figure — confirmed before anything is offered.
ss. 97–98We negotiate directly with the lender to lock in the settlement figure, so completion lands on a clean, discharged title.
Loan settledPrivate treaty sale at open-market price to a vetted buyer, with proceeds funding the agreed settlement.
Best priceThe balance is remitted to the owner. Our fee comes only from the value we recover.
Owner paidWhen a property is sold under the power of sale, the law fixes a strict order of payment — and the owner sits at the very bottom of it.
Auctioneer's commission, newspaper advertising, the forced-sale valuation, advocate's fees and any court costs.
A higher-priority lender on the same title is cleared before the selling lender sees anything.
Principal, accrued interest, penalties, and the lender's own recoverable enforcement costs.
Second and third lenders with registered interests, settled in order of priority.
Land Act 2012 · s. 101The surplus is paid to the owner last — often the thinnest slice, and the one most easily delayed or disputed. Protecting it is the whole reason 68 AN exists.
Recovery sales, verified-title land, homes and vehicles handled by 68 AN. Every listing is title-searched before it appears here.
Facing auction, converted to a market-value sale inside the statutory window.
Freehold and leasehold parcels with a clean title search, sourced on demand.
Completed houses and maisonettes, sold with vacant possession.
Cars and commercial vehicles from recovery mandates, with clean logbook transfer.
No assets in this category right now. New listings are added as recoveries complete — ask us on WhatsApp what is coming up.
We are built for the one party with no one at the table.
Auctioneers, collectors and recovery teams serve the lender. Our mandate, our fee and our duty run to you.
No upfront fee, no capital required. Our commission comes from the surplus we recover — money the auction would have destroyed.
The case for a fair price rests on the Land Act's own market-value standard, not on goodwill. We use the lender's statute, the other way around.
We have no interest in acquiring your home at a discount — that is the auction's game. We sell it for its worth, and the surplus goes where the law says it belongs: to you.
No upfront fee, no capital required from you, either side of the auction. If nothing is recovered, nothing is owed. Our commission is a share of what we actually put back in your hands — never a share of the debt, never a share of the sale price itself.
On a pre-auction recovery, our fee is settled from the proceeds when the sale completes. On a surplus recovery, it is settled from the surplus once recovered.
If a forced auction sells your property for more than the outstanding debt, the surplus belongs to you under Section 101 of the Land Act 2012 — not the lender. Recovery means formally demanding a full account of the sale, checking every deduction against what the law actually permits, and pursuing the balance through negotiation or escalation if it isn't paid voluntarily.
68 AN handles this as a standalone service for owners whose auction has already happened. We demand the sale account from the lender, verify it against the statutory order of payment, and escalate formally where needed — paid only from what's actually recovered.
The 75% reserve floor is the lowest price Kenyan law allows a lender to accept at a forced auction — meaning up to a quarter of a property's true value can legally be discarded before bidding even starts. The way to avoid it is to act before the auction date: the same law also permits a private treaty sale, which must achieve full market value instead.
That gap — 75% versus 100% — is the exact value 68 AN recovers by converting a forced auction into a market-value private sale, inside the notice window the law provides.
68 AN charges nothing upfront and requires no capital from the property owner, on either side of the auction. The fee is tiered by property value, from 3 to 10 percent, and comes only from the value actually recovered — whether that's the extra value from a market-value sale or a withheld surplus — meaning if nothing is recovered, nothing is owed.
This keeps 68 AN's incentive aligned with the owner's outcome, not the transaction itself.
| Parameter | Traditional forced auction | 68 AN asset recovery |
|---|---|---|
| Primary focus | Clear the debt quickly | Protect the owner's value |
| Pricing floor | May accept as low as 75% of market value | Maximized to full market value (100%) |
| Surplus handling | Often delayed, disputed, or unclaimed | Actively demanded and checked against the statute |
| Upfront costs | Not applicable — lender-driven process | None — 3–10% success fee, tiered by value, only on what's recovered |
| Legal framework | Land Act 2012, ss. 90 & 96 — auction mechanics | Land Act 2012, ss. 97, 98 & 101 — duty of care, private treaty, surplus rights |
Yes — the model runs on the statute itself. We do not fight the lender's right to recover. We exercise the owner's right to a fair sale, under the same law.
A lender selling charged property must take reasonable care to obtain the best price reasonably obtainable. A sale at 25% or more below market value is presumed to breach that duty.
A private treaty sale must achieve market value. An auction reserve may be set at 75% of it. That statutory gap is the value we recover.
Whatever remains after the debt and costs belongs to the borrower by law. Our model exists to make sure you actually receive it.
Until the moment of sale, the owner keeps the right to settle the debt and discharge the charge. Enforcement does not erase ownership.
A bank sold a customer's property under its statutory power of sale, then kept the difference. The Court of Appeal found the sale itself was at a gross undervalue, that the bank had breached its duty of care, and ordered the surplus paid in full — on top of damages assessed at the property's true market value.
Criticos v National Bank of Kenya Limited, Civil Appeal 80 of 2017, [2022] KECA 541 (KLR) — Kenya Law
Every legal claim on this page comes from a public source you can check yourself. We'd rather you verified than trusted us on sight.
Sections 90, 96, 97, 98 and 101 — notice periods, the duty of care, the two price standards, and who the surplus belongs to. Published in full on Kenya Law, free to read.
Civil Appeal 80 of 2017, [2022] KECA 541 (KLR). A Court of Appeal judgment on undervalue sale and withheld surplus — searchable by citation on Kenya Law.
The statutory commission bands quoted on this page, and the 2022 Court of Appeal ruling confirming they're charged within a single band rather than stacked.
A registered Kenyan company. Ask us directly for our registration details before you engage us — any firm asking you to trust it with a property matter should be willing to provide them.
The quick facts you'd want before calling any firm about your property.
The earlier we look, the more value there is to protect. Send the basics and we'll tell you, plainly, whether a recovery is still possible.
Antony Njenga — Founder & Director, 68 AN Company Limited. Every enquiry that comes through this page reaches me directly, not a call centre.
No cost, no obligation. We reply with a clear yes or no — usually within one working day, faster on WhatsApp if your auction date is close.
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