Buying a home is the largest financial decision most people will ever make — and in Nigeria, the process is full of moving parts that nobody walks you through unless you ask the right people the right questions. This guide is the one we wish every first-time buyer had.
Step 1: Know your real budget
The price on the listing is rarely the only number. Add agency fees (typically 5–10%), legal fees (5–10%), title perfection costs, governor's consent, survey, and any outstanding ground rent. Budget 15–20% above the listed price for transaction costs alone.
Step 2: Verify the title
Demand to see the Certificate of Occupancy (C of O), Right of Occupancy (R of O), or Deed of Assignment. Confirm the seller's identity matches. Run a perfection check at the Lands Registry.
Step 3: Inspect — twice
Once during the day, once after dark. Test taps, switches, the borehole, the generator. Speak to neighbours.
Step 4: Get the agreement right
Don't accept verbal promises. Everything material must be in writing. A good lawyer is the cheapest part of this transaction.
Every Propabridge listing is verified before it goes live — title documents are visible before you even call.
