Own it together, keep it together

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OPINION

By Baker Mugaino 

How co-ownership of property can protect Ugandan families from the chaos of estate disputes, Succession delays, and bureaucratic gridlock.

When a prominent businessman in Ntinda died intestate in 2022, his family expected to grieve and move on. Instead, they spent years in court: siblings fighting over letters of administration, a creditor lodging claims, and the Administrator General stepping in. The family home where his children grew up became effectively frozen, with the widow living there but without legal title. 

Such stories unfold across Uganda with dispiriting regularity. The death of a sole property owner can trigger a succession process that takes years, drains resources, and fractures families. Probate, letters of administration, Administrator General procedures and litigation are slow, expensive, and easily weaponised in the confusion of grief. 

Two long-established tools recognised under Ugandan law can reduce that chaos if set up while the owner is alive: joint tenancy and tenancy in common under S.56 of the Registration of Titles Act. They change a simple but decisive fact: whether, at death, a key property becomes “estate property” that must wait for court processes before anyone can safely deal with it. 

Uganda’s succession framework is mainly found in the Succession Act (Cap. 162), the Administrator General’s Act (Cap. 157), and the Registration of Titles Act (Cap. 230). The system is workable on paper, but unforgiving to families that have not planned. 

When a person dies owning land alone, it falls into the estate. Until a court grants probate (with a will) or letters of administration (without one), no one can transfer, mortgage, sell, or manage it with confidence. Filing requirements, notices, creditor claims and hearings can stretch for years, especially where relatives contest who should control the process. 

Even uncontested matters can be slowed by additional procedures, including the involvement of the Administrator General. Contested estates become battlegrounds: competing applications for administration, challenges to wills, creditor suits, and relatives asserting customary or family claims. Meanwhile, dependants are left exposed. 

The most powerful estate plan is one that is never tested in court. 

These disputes share one root problem: at the moment of death, property owned by one person becomes estate property, and the family must wait for the succession machinery to move. The smarter question is not only how property should be shared after death, but how it should be owned before it.  

Joint Tenancy: Survivorship as a Shield 

Joint tenancy is a common-law form of co-ownership built on the “four unities” (possession, interest, time and title). In practical terms, the owners hold the entire property together; no one owns a separately identifiable slice. 

Its estate-planning power lies in the right of survivorship (jus accrescendi). When one joint tenant dies, their interest does not pass into the estate. It ends, and the survivor(s) automatically hold the whole property by operation of law without a court order. 

In practical terms: a couple who register the matrimonial home as joint tenants ensure that when one dies, the other becomes sole owner immediately. The survivor typically presents a death certificate at the Lands Registry and applies to remove the deceased’s name from the title—no probate, no letters of administration, and no Administrator General process for that property. 

This is not a loophole; it is the point of joint tenancy. It directly addresses a common Ugandan dispute: a surviving spouse pushed aside while relatives fight over an estate that is stuck in procedural delay. 

Because survivorship operates by law rather than through a will, there is no “transfer” to contest on the usual grounds of undue influence or incapacity. By the time disputes begin, the survivor’s ownership is often already reflected on the title. 

WHAT JOINT TENANCY PROTECTS AGAINST 

▪ Probate and administration delays — the property bypasses the succession process entirely.

▪ Challenges to letters of administration —since there is no estate interest, no standing 

▪ Administrator General Intervention — no estate asset, no jurisdiction 

▪ Will contests on claims of undue influence or incapacity 

▪ Creditor claims filed against the estate after death 

▪ Opportunistic litigation by disgruntled relatives 

On registration of the  land, co-owners are entered on the certificate of title under the Registration of Titles Act. The wording matters: it should clearly state “as joint tenants” or “as tenants in common”. If it is missing or ambiguous, practice often defaults to tenancy in common which may cost families the survivorship advantage. 

Tenancy in Common: Flexibility without Survivorship 

Tenancy in common has no right of survivorship. Each owner holds a distinct share (for example, one-half or one-third). When a tenant in common dies, that share passes into their estate and is distributed by will or, without a will, under the intestacy rules in the Succession Act. 

So why use it? It contains risk. One death does not have to paralyse the entire asset: only the deceased’s share is caught in administration, while surviving co-owners can keep managing and benefiting from the rest. 

For example, three siblings can own a Kampala building as tenants in common in equal shares. If one dies, their one-third enters the estate, but the remaining two-thirds stays with the survivors, who can continue collecting rent and maintaining the property while the estate process runs. “With tenancy in common, succession risk is proportional. You decide how much of your estate is exposed  and to what degree.” 

Tenancy in common also offers flexibility which joint tenancy cannot: co-owners can hold unequal shares that reflect real contributions on investment for instance, 80/20 between a parent and adult child. 

It is most effective when paired with a carefully drafted will. The owner can direct what happens to their share (transfer to a named heir, sale, or holding in trust for minor children), reducing uncertainty and avoiding accidental co-ownership with unintended beneficiaries. 

 
PUTTING IT INTO PRACTICE 

The matrimonial home. Registering the family home in both spouses’ names as joint tenants can give the survivor full title immediately and blunt the common obstacle of exploiting succession delays to displace widows and widowers. 

Business premises. Co-owners of commercial property should choose deliberately. While Joint tenancy can protect continuity for a tightly held family enterprise; tenancy in common is often safer where contributions or intentions differ and ideally backed by a co-ownership agreement (pre-emption rights, management rules, dispute resolution). 

Investment portfolios. Many owners can mix tools: joint tenancy for the home (to protect a spouse), and tenancy in common for rentals and investments (to allow tailored distribution by will). 

Parent and child. A parent can transfer an interest during their lifetime to an adult child. If the intention is for the child to take the whole property on the parent’s death, joint tenancy achieves it; if the parent wants freedom to leave their share elsewhere, tenancy in common is better. 

Limitations and Risks 

The biggest risk with joint tenancy is severance: any joint tenant can convert it into a tenancy in common and destroy survivorship by notice or by dealing with their interest in a way inconsistent with joint ownership. Agreements can discourage severance, but cannot eliminate the legal ability to do it. 

Tenancy in common relies on planning: without a valid, up-to-date will, the deceased’s share falls into intestacy, potentially bringing new and unwanted co-owners into the title. 

On customary or community land, co-ownership structures may be harder to apply. Families may first need to regularise or convert tenure into a registrable private interest before these tools work as intended. 

The Lesson: Plan before Death, Not After 

The widow in Ntinda did not need a better lawyer after her husband died. She needed a better conversation about ownership while he was alive. Registering the home in both spouses’ names as joint tenants could have spared years of litigation, costs, and the indignity of fighting for the home where she raised her children. 

Joint tenancy and tenancy in common are not for the wealthy; they are available to any Ugandan who owns property under the RTA. They require awareness of the risk of dying a sole owner, and the discipline to take advice before a crisis. 

Uganda’s succession law is demanding and unforgiving to the unprepared. The strongest estate plan is the one that keeps that machinery out of your family’s grief. Own it together. Keep it together. 

bakermugaino@gmail.com X: @BakerMugaino