68 AN sells your property at full market value by private treaty. From the proceeds, our commission is paid, your loan is repaid in full, and all the remaining money is paid to you.
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 — explore our full services — the owner keeps the value the law says is theirs — whether through a managed private sale or a direct asset purchase.
We arrange private treaty sales at open-market value, settling the outstanding obligation in full and returning the surplus to the owner — managed end to end within the statutory timeline.
Every sale we handle follows one sequence. We sell your property at full market value, our commission is paid from the proceeds, your loan is repaid in full, and all the remaining money is paid to you — with a written statement showing every shilling.
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. Read the full step-by-step guide.
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 with the lender to agree a private treaty sale in place of auction, and confirm the redemption figure the sale must clear.
Private sale agreedPrivate treaty sale at open-market price to a vetted buyer, with proceeds funding the agreed settlement.
Best priceOnce the sale completes, our commission is paid from the proceeds, the loan is repaid in full, and all the remaining money is paid to you.
Loan settled · owner paidWhen 68 AN sells your property, the proceeds follow one simple sequence — agreed in writing before the sale and shown to you in full at completion.
We sell your property by private treaty to a vetted buyer at open-market price — not at a reduced reserve.
A fixed percentage of the sale price, set by the property's value band. Nothing is ever charged upfront.
The lender is paid the full redemption figure, the charge is discharged, and the title is cleared.
Everything left after the commission and the loan is paid to you, with a written statement showing every figure.
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 verified listings in this category yet. Register as a buyer to hear about new listings before they are published.
We are built for the one party with no one at the table.
Lenders have their own advisers throughout the process. We are the owner's — our mandate, our fee and our duty run to you.
No upfront fee, no capital required. Our commission is a percentage of the sale price — paid only when a sale completes.
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 no sale completes, nothing is owed. Our commission is a percentage of the sale price, paid from the sale proceeds at completion — never before.
At completion, the sale proceeds are paid out in this order: our commission, then the loan in full, then all the remaining money to you.
Our commission is a percentage of the sale price, set by the property's value band. It is paid first from the proceeds, then the loan, then the remaining money to you.
Illustrative only. Actual figures depend on the verified redemption figure, costs of sale, and any taxes. Nothing here is a quote or a guarantee.
The sale proceeds are paid out in one fixed sequence. First, our commission — a percentage of the sale price set by the property's value band. Second, your loan, repaid to the lender in full. Third, all the remaining money, paid to you. You receive a written completion statement showing every figure.
Nothing is paid upfront, and if no sale completes, you owe nothing.
The 75% reserve floor is the lowest price Kenyan law allows a lender to accept at a public 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 arranging a market-value private sale within 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 3 to 10 percent of the sale price — the rate set by your property's value band — paid only when a sale completes — if no sale completes, nothing is owed.
This keeps 68 AN's incentive aligned with the owner's outcome, not the transaction itself.
| Parameter | Public auction | Private sale with 68 AN |
|---|---|---|
| Primary focus | Recover the debt through the statutory process | Achieve full market value for the owner |
| Pricing floor | May accept as low as 75% of market value | Maximized to full market value (100%) |
| Remaining money | Paid last, often delayed | Paid to you at completion, with a written statement |
| Upfront costs | Not applicable — lender-driven process | None — 3–10% of the sale price, only when a sale completes |
| 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 help the owner pursue 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.
The duty of care under Section 97, the market-value standard under Section 98, and the surplus obligation under Section 101 have all been tested and enforced at appellate level in Kenya. These are not theoretical protections — they are principles that Kenyan courts have actively applied when lenders have failed to meet them.
Land Act 2012, ss. 97, 98 & 101 — all publicly available on 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.
Each sale ends with a written statement: sale price, our commission, loan repaid, and the money paid to you. Check every figure before you sign.
Our commission bands and the order in which sale proceeds are paid out are published on this site and written into every engagement agreement.
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.
Whether you are considering selling a property, exploring a recovery, or have questions about surplus proceeds — we are here to help. Visit our contact page or send the details directly.
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 respond with a clear assessment — usually within one working day.
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