Form LRA 55 (Consent for Second or Subsequent Charge) is an essential land registration document used in Kenya when a property that is already charged (mortgaged) is being used as security for an additional loan. This form is jurisdiction-specific to Kenya and is governed by Regulations 69 and 70(2)(c) of the Land Registration (General) Regulations, 2017, enacted under the Land Registration Act, 2012. It serves as the formal written permission from the existing lender (the first Chargee) allowing the property owner (the Chargor) to create a further charge over the same title.
This advocate-reviewed template is available for download on wansom.ai and is intended for financial institutions (banks and SACCOs), legal practitioners (advocates), and property owners navigating complex multi-lender financing arrangements. Obtaining this consent is a critical step in the conveyancing process to ensure the priority of interests is clearly defined and legally enforceable within the land register.
The downloadable template requires the Title Number, details of the Chargor, and the original Chargee. Crucially, the form allows the parties to specify the ranking of the new security interest relative to the existing one: whether it will rank pari passu (equal footing), subsequent (secondary), or in priority. The document must be executed as a deed, featuring sections for official sealing or execution by authorized attorneys. Comprehensive verification is required under Section 45 of the Land Registration Act, including the attachment of colored photographs, ID/Passport numbers, and Tax PINs for all parties involved. This legally compliant, ready-to-use template ensures that subsequent lending is properly authorized and registered, protecting the interests of both the primary and secondary lenders in Kenya's land registration system