The Nigerian Property Buying Guide
Everything you need to know about buying property in Nigeria — from budget planning to collecting your keys.
Define Your Budget
Before browsing, determine exactly how much you can afford. Factor in the purchase price, legal fees (typically 5–10% of property value), agency fees (5–10%), and moving costs. If financing, get pre-approval from your bank first.
Search & Shortlist
Use HomeFindr to browse verified listings by city, area, budget, and property type. Save your favourites and set up search alerts so you never miss a new listing that matches your criteria.
Due Diligence
Before making an offer, verify the title document (Certificate of Occupancy, Deed of Assignment, or Governor's Consent). Engage a lawyer to conduct a land search at the land registry to confirm the seller's ownership and check for encumbrances.
Make an Offer
Submit your offer through HomeFindr. The agent will present it to the seller. Negotiation is normal — your first offer need not be your final offer. Once agreed, ensure all terms are documented in writing.
Sign & Pay
Your solicitor will draft the contract of sale. Review it carefully before signing. Payment is typically made in tranches — an initial deposit followed by the balance on completion. Never pay in cash; always use traceable bank transfers.
Take Possession
Once payment is complete and all documents are signed and registered, you receive the keys. Ensure you obtain the original title documents and all relevant receipts. Congratulations — you're a homeowner!
⚠️ Watch Out For
- • Sellers who cannot produce original title documents
- • Properties with active court disputes or government acquisition notices
- • Agents asking for large cash payments without receipts
- • "Family land" without proper legal documentation
- • Prices significantly below market value (too good to be true)