The Complete Guide to Buying Your First Home in Nigeria

Buying your first home is one of life's biggest milestones. In this comprehensive guide, we walk you through every step.

1. Set Your Budget

Before browsing listings, understand what you can afford. Factor in the purchase price, legal fees (typically 5%), agency fees (5%), and survey costs.

2. Verify the Title

Always confirm the property has a valid Certificate of Occupancy (C of O) or Governor's Consent. Engage a property lawyer to conduct due diligence at the land registry.

3. Inspect Thoroughly

Visit the property at different times of day. Check water supply, drainage, road access and neighbourhood security.

4. Negotiate and Close

Make your offer through your agent, agree terms, and ensure all payments go through traceable channels. Never pay cash without documentation.

With the right team behind you, your first home purchase can be smooth and rewarding.