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Everything you need to know about your real estate journey in The Gambia, in one place.

01

Property management

What does Khidra's property management service actually include?

We offer a complete, worry-free service package covering everything from tenant sourcing, rent collection, and utility management to regular maintenance, repairs, and 24/7 emergency response. We manage the day-to-day so you can enjoy the returns without the stress.

How do you ensure my property stays in excellent condition?

Our team uses a proactive care model: scheduled inspections, a vetted network of service providers, and strict maintenance timelines. Any issue, big or small, is resolved quickly, with clear reporting to keep you in the loop.

Can Khidra manage properties for overseas owners?

Absolutely. Many of our clients live abroad. We act as your on-the-ground representative, making sure your property is secure, occupied by quality tenants, and well-maintained, while providing regular updates and transparent financial reporting.

How do you select tenants for my property?

We use a careful screening process, including background checks, income verification, and rental history review. Our goal is to match your property with respectful, reliable tenants who will maintain it as if it were their own.

02

Land ownership

How do I know I'm buying land from the rightful owner?

At Khidra, we handle all ownership checks for you. Before you commit to anything, we ensure the seller provides valid ID, a Tax Identification Number (TIN), and official proof of ownership. We then work with legal professionals to verify the documents so you can invest with complete confidence.

What's the difference between leased land and freehold land in The Gambia?

Leased land is owned by the government and common in urban areas. It's yours for a set number of years and must be renewed when the lease ends.

Freehold land, often in rural areas, is owned outright and passed down through families. It never expires. Khidra helps you understand which type suits your goals and ensures all terms are clear before purchase.

How can I be sure the land isn't in dispute?

We verify your plot directly with the Ministry of Lands and Physical Planning before any payment is made. This process checks that no one else has a legal claim on the property, protecting you from costly disputes later.

What happens after I buy land?

Once your purchase is complete, Khidra manages the full registration process: securing your Title Deed, Certificate of Ownership, stamped Sales Agreement, Sketch Plan, and any required lease transfer applications. You'll also receive official proof that your land is legally registered in your name.

How long will it take to receive my ownership documents?

On average, it takes 3–6 months, though it can be faster if all files are in order. Khidra follows up directly with government offices so you're not left chasing paperwork.

03

Selling

Can a home depreciate in value?

Yes, like any asset, a home can theoretically depreciate in value due to factors such as a lack of maintenance, significant structural issues, or adverse changes in a neighbourhood's desirability.

However, The Gambia's real estate market is currently experiencing a robust and generally upward trend. Driven by a stable investment climate, a booming tourism sector, and ongoing national development, properties in well-maintained conditions and desirable locations are very likely to appreciate, not depreciate.

For sellers, this means the market largely remains favourable. Presenting a well-maintained property in a good location will significantly enhance your selling prospects.

Is an older home as good a value as a new home?

Both older and new homes offer distinct value, appealing to different buyer priorities.

Older homes often boast established locations with mature infrastructure, potentially larger plot sizes, and unique character, with room for renovation and customisation. New homes typically provide modern designs, better energy efficiency and lower initial maintenance costs, often with builder warranties.

Ultimately, the better value depends on each buyer's priorities: location, character, modern features, or renovation potential.

What is a broker?

A real estate broker is a licensed professional who acts as an intermediary, facilitating property transactions between buyers and sellers, or tenants and landlords. They offer expertise in market knowledge, negotiation, and legal compliance, typically earning a commission for their services.

Can I pay my own taxes and insurance?

Property taxes in The Gambia are typically paid directly by the owner to the relevant local council (for example Kanifing Municipal Council, Banjul City Council or Brikama Area Council) or the Gambia Revenue Authority, usually once a year.

Property insurance is not mandatory in The Gambia but is highly recommended to protect against fire, theft and natural disasters. You can approach local insurers directly and compare quotes and terms.

How long does the loan process take?

Initial application and pre-approval usually take 1 to 2 weeks. Full processing and underwriting, including valuation and checks with the Land Registry, take 4 to 8 weeks. Final approval and closing take another 2 to 4 weeks.

In total, expect about 2 to 4 months from application to completion. Submitting all documents on time is the biggest factor in how fast it goes.

04

Renting

What's typically included in the rent?

Rent often covers the cost of occupying the space only. Utilities like water, electricity, internet and waste collection are usually paid separately by the tenant unless the agreement says otherwise. Some premium properties bundle services such as security or cleaning.

Do I need to pay a security deposit, and is it refundable?

Yes, most landlords or property managers require a security deposit, usually equal to one month's rent, before move-in. It is refundable at the end of your lease, provided there's no damage or outstanding utility bills.

Can I renew my lease after it ends?

In most cases, yes. Lease renewals are common, but they may come with a rent adjustment. Notify your landlord or property manager at least one month before the lease ends if you plan to renew.

What happens if I want to move out early?

Early termination terms should be set out in your rental agreement. Some landlords allow it with sufficient notice (for example 30 days), while others may require payment for the remaining months. Clarify this before signing.

Who do I contact for maintenance and repairs?

In properties managed by Khidra, contact the property management team directly by hotline or WhatsApp. Emergency repairs such as plumbing or electrical faults are always prioritised.

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