Educational
Buying From Individuals vs Estates: What to Watch For Before You Pay
A buyer once shared a story that stayed with me. He had found what seemed like the perfect property in Lagos. The price was fair. The location was solid. The seller was polite and confident. Documents were presented. Everything looked straightforward. But he didn’t know that there is a difference between buying from individuals vs estates.
Six months after payment, a letter arrived from a lawyer. The property, he discovered, was part of a family estate. Not all beneficiaries had signed off. What followed was not construction or renovation — but court dates and stress.
This is why buying from individuals vs estates in Nigeria requires more than surface-level checks. It’s not about suspicion. It’s about structure.
READ MORE: How to Buy Property in Nigeria Without Being Physically Present
Buying From Individuals vs Estates: Understanding the Difference
When buying property in Nigeria, transactions usually fall into two broad categories:
- You’re buying directly from an individual owner.
- You’re buying from an estate — meaning the property belonged to someone deceased and is now controlled by heirs or administrators.
At first glance, both may look the same. But legally and practically, they are not. Understanding the difference is the first step in safely navigating buying from individuals vs estates.
Buying From Individuals vs Estates: When the Seller Is an Individual
Buying from a living individual can feel simpler. There is usually one primary decision-maker. Documents are often easier to trace. But simplicity can be misleading.
Before paying, you must confirm:
- The seller is the true owner listed on the title.
- There are no outstanding disputes.
- The property is not jointly owned without disclosure.
- There are no encumbrances or pending legal issues.
Even in individual sales, due diligence is not optional.
Buying From Individuals vs Estates: The Extra Layer of Estate Sales
This is where caution becomes even more important. When a property forms part of an estate, it means ownership has transitioned due to death. Legally, that property cannot simply be sold by one family member unless proper authority has been granted.
Things to verify include:
- Has probate or letters of administration been obtained?
- Who are the legally recognized administrators?
- Have all beneficiaries consented?
- Is there written, documented approval for the sale?
Buying from individuals vs estates becomes risky when buyers assume family agreement equals legal authority. They are not the same.
Emotional Pressure and Family Dynamics
Estate properties often come with urgency.
A family may want to “settle matters quickly.” You may hear phrases like:
- “We have all agreed.”
- “We are all one family.”
- “Don’t worry, everything is fine.”
In many cases, they mean well. But family dynamics can change after money changes hands.
Buying from individuals vs estates requires protecting your investment from future disagreements that haven’t happened yet.
Why Professional Verification Matters
One of the most overlooked risks in buying from individuals vs estates is incomplete documentation.
A proper review at the Land Registry, verification of probate records, and confirmation of consent signatures can prevent years of legal entanglement.
The cost of verification is always smaller than the cost of litigation.
A Quiet Lesson Many Learn Too Late
The buyer I mentioned earlier eventually resolved his case — but not without legal fees, delays, and emotional exhaustion.
The property was not the problem. The process was.
Buying from individuals vs estates is not inherently dangerous. Many successful transactions happen every day. The difference lies in whether the buyer approached the process casually or carefully.
IN OTHER NEWS: Land banking: The sleeping goldmine in Nigeria’s real estate market
A Thought Before You Transfer Funds
Property in Nigeria is not just an asset — it’s layered with history, family ties, and legal structure.
Before you make payment, pause.
Ask questions.
Verify documents.
Insist on clarity.
Because once money changes hands, reversing mistakes becomes much harder.
WHAT YOU SHOULD DO
If you’re considering buying property and are unsure whether it’s an individual or estate sale, take time to understand the structure behind the transaction.
A calm, informed decision today can save years of avoidable stress tomorrow.
Educational
Why Property Documentation Delays in Nigeria Ruin Buying Plans
The House That Was Ready… But Not His
When Ugonna returned from Germany to finalize his home purchase in Awka, everything looked perfect. The building stood tall. Paint was fresh. Keys were ready. Though Ugonna was excited, he didn’t reckon with the fact that property documentation delays in Nigeria could deprive him so badly!
Then came one sentence from the agent:
“The documents are still processing.”
Weeks turned into months.
Rent continued abroad.
Family plans stalled.
The joy of ownership faded into stress.
This is how property documentation delays in Nigeria quietly ruin buying plans — even when the house itself is ready.
READ MORE: Things to Check Before Buying Land in Nigeria: A Complete Buyer’s Guide
Why Property Documentation Delays in Nigeria Are So Common
Many buyers assume documentation is a simple formality. In reality, it’s a process — and often a slow one.
Delays usually happen because of:
- Incomplete land history
- Missing or conflicting ownership records
- Slow government processing
- Poor follow-up by sellers or agents
- Buyers not knowing what to ask for
The building may exist. But ownership doesn’t — yet.
How Property Documentation Delays in Nigeria Affect Buyers
Documentation delays don’t just waste time. They affect real life plans.
They can:
- Delay move-in dates
- Stall mortgage or loan approvals
- Prevent resale or rental
- Increase total buying costs
- Create legal uncertainty
In some cases, buyers occupy properties they don’t legally own — a risky position.
The Documents That Often Cause the Delay
Most property documentation delays in Nigeria involve:
- Governor’s Consent
- Certificate of Occupancy (C of O)
- Registered Deeds of Assignment
- Approved Survey Plans
- Proper land registry filings
When any of these are unclear or missing, the entire process slows down.
Why Buyers Don’t Discover the Problem Early
Many buyers:
- Trust verbal assurances
- Focus only on price and location
- Assume documents will “come later”
- Don’t request proof before payment
By the time issues surface, money has already changed hands.
How to Avoid Property Documentation Delays in Nigeria
Smart buyers do things differently.
They:
- Ask for documents before committing
- Verify land history independently
- Work with professionals who understand the process
- Buy properties with clear, verifiable titles
- Get regular documentation updates in writing
Preparation protects peace of mind.
IN OTHER NEWS: Construction Delays in Nigeria: Why Projects Drag On
The Lesson Emeka Learned the Hard Way
Six months later, Emeka finally received his documents.
But he said something telling:
“If I knew what I know now, I would have asked better questions from day one.”
Know that documentation delays for properties in Nigeria don’t announce themselves. They appear quietly — after excitement has already set in.
✅ BUY WITH CLARITY, NOT ASSUMPTIONS
Don’t let documentation delays steal your joy after purchase.
📞 Connect with House & Land Naija Today
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Offices:
Nigeria — 9 Moses Adebajo Street, Ojodu-Berger, Lagos
USA — 8500 Frederickburgs Lane, Houston TX 77083
Canada — 102-30 El-Tassi Drive, Winnipeg MB
📞 Calls:
Nigeria: +234 707 491 3626 | +234 707 491 3631
USA: +1 (832) 847-5261
Canada: +1 (431) 990-3777
Ask questions early. Verify properly. Buy with confidence.
Educational
How to Buy Property in Nigeria Without Being Physically Present
When Kunle boarded his flight back to Manchester, he believed his biggest dream was finally in motion. He believed he knew how to buy property in Nigeria without being physically present.
He had sent money home to buy land in Ibeju-Lekki. Family members promised to “handle everything.” Photos were sent. Receipts were shared. Reassurances flowed freely.
Six months later, Kunle returned to Nigeria for a visit. The land he paid for? Someone else was already fencing it.
What Kunle experienced is not rare. It’s the painful reality many Nigerians abroad face — buying property from a distance without a trusted system.
Yet, people are still buying property in Nigeria successfully, even without being physically present. The difference is how they do it.
How to Buy Property in Nigeria Without Being Physically Present — Safely
1. Stop Relying on Verbal Promises
Buying property remotely based on trust alone is risky. Pictures can be staged. Stories can be adjusted.
Documentation and verification matter more than emotions.
2. Verify Land Documents Before Any Payment
To buy property in Nigeria without being physically present, documents must be checked professionally:
- Title status
- Government records
- Ownership history
This step alone prevents years of regret.
3. Independent Physical Inspection Is Non-Negotiable
Someone must physically inspect:
- The exact location
- Boundaries
- Accessibility
- Existing disputes
A video call walkthrough is good. A professional inspection is better.
4. Use a Structured Payment Process
Avoid lump-sum transfers based on assumptions.
Payments should be:
- Milestone-based
- Document-backed
- Traceable
This protects you when things don’t go as planned.
5. Demand Updates and Written Reports
Remote buyers succeed when they:
- Receive regular updates
- Get visual evidence
- Maintain documentation trails
Silence is a warning sign.
Why Many Fail to Buy Property Remotely
- Over-trusting relatives or friends
- Rushing decisions out of excitement
- Skipping professional verification
- Fear of service fees (that later save millions)
Buying property in Nigeria without being physically present is possible — but only with structure.
IN OTHER NEWS: Firm advocates diaspora property purchase
Conclusion
Kunle eventually bought another property — this time through professionals.
Every step was verified. Have every document explained. And have every payment accounted for.
Today, his land is secure. Registered. Undisputed.
He learned the hard way, but you don’t have to.
Best Action To Take
Buying property from afar doesn’t have to end in regret.
Connect with House & Land Naija Today
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Offices:
Nigeria — 9 Moses Adebajo Street, Ojodu-Berger, Lagos
USA — 8500 Frederickburgs Lane, Houston TX 77083
Canada — 102-30 El-Tassi Drive, Winnipeg MB
📞 Call Us:
Nigeria: +234 707 491 3626 | +234 707 491 3631
USA: +1 (832) 847-5261
Canada: +1 (431) 990-3777
Don’t send money blindly. Buy with clarity. Buy with confidence. Let professionals guide you!
Educational
C of O, Gazette, or Deed of Assignment: What Nigerian Property Buyers Must Understand About Land Documents in Nigeria
When Ifunanya finally decided to buy land in Awka, it felt like a turning point in her life. After ten years of working in Abuja, she wanted something permanent. Something hers. But she didn’t take into consideration the fact that land documents in Nigeria is a serious factor to consider before paying for any land.
The seller sounded confident. The land was cheap.
And the documents? “Very complete,” he said.
All she saw was a Deed of Assignment.
Two years later, bulldozers arrived.
The land was reclaimed by the government.
No compensation.
No warning.
What Ifunanya didn’t know was simple — not all Nigeria land documents offer the same protection. And misunderstanding them is one of the most expensive mistakes property buyers make.
Understanding Land Documents in Nigeria Before You Buy
1. What a Deed of Assignment Really Means
A Deed of Assignment only proves that ownership was transferred from one person to another. It does not confirm that the land is legally safe.
If the original owner had no valid title, the deed protects nothing.
2. What Gazette Means in Land Documents in Nigeria
A Gazette shows that land was once acquired by the government and later released to the public.
Important truth:
- Gazette ≠ automatic ownership
- You still need proper registration
Many buyers assume Gazette land is “fully free.” That assumption ruins people financially.
3. Why a Certificate of Occupancy (C of O) Matters Most
A C of O is the strongest land document in Nigeria.
It confirms:
- Government recognition
- Legal right to occupy
- Protection against future claims
No document offers stronger peace of mind.
4. Why Buyers Get Confused About Nigerian Land Documents
- Sellers oversimplify explanations
- Buyers rush decisions
- Emotional attachment clouds judgment
- Lack of professional verification
Land transactions are legal processes — not verbal agreements.
5. What Smart Buyers Do Differently
Smart buyers:
- Verify documents before payment
- Understand what each document covers
- Use professionals, not promises
Property mistakes don’t shout. They surface years later, when it’s too late.
IN OTHER NEWS: Common Construction Scams in Nigeria — And How Smart Property Owners Avoid Them
In Conclusion
Ifunanya now rents. The land she bought exists only in memory.
She says, “If I had understood land documents in Nigeria, I would still own that land today.”
Knowledge doesn’t just save money. It saves dreams, dignity, and future plans.
What You Must Do
Buying land without understanding documents is gambling. Buying with clarity is power.
Connect with House & Land Naija Today
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Offices:
Nigeria — 9 Moses Adebajo Street, Ojodu-Berger, Lagos
USA — 8500 Frederickburgs Lane, Houston TX 77083
Canada — 102-30 El-Tassi Drive, Winnipeg MB
📞 Call Us:
Nigeria: +234 707 491 3626 | +234 707 491 3631
USA: +1 (832) 847-5261
Canada: +1 (431) 990-3777
Before you pay for land, pay for clarity. Talk to professionals. Buy with confidence.
Build in Nigeria
Why “Cheap Land” Is the Most Expensive Mistake Nigerians Make When Buying Land in Nigeria!
When Sadiq clicked “Send” from his apartment in Abu Dhabi, he smiled. He had been thinking of buying land in Nigeria for a long while. After twelve years of night shifts and missed family gatherings, he was finally buying land back home.
A full plot. Good location. ₦1.6 million.
The agent sounded confident. The pictures looked clean. The documents were neatly scanned.
“This is your breakthrough,” Sadiq told himself.
For weeks, he imagined it. A modest bungalow. A place his parents could retire to. A future he could touch.
Then the call came. Not from the agent. From a friend in Minna who had gone to inspect the land.
“Bro… there’s a problem.”
Silence followed. Red paint splashed across concrete pillars. Government codes scribbled boldly.
ACQUIRED.
In that moment, Sadiq felt something heavier than loss. He felt foolish. Because the land was cheap. And cheap had cost him everything.
This is the painful truth many Nigerians discover too late when buying land in Nigeria.
READ MORE: Things to Check Before Buying Land in Nigeria: A Complete Buyer’s Guide
WHY CHEAP LAND ATTRACTS BUYERS
Let’s be honest. Land prices are high. Income is pressured. Everyone wants a “good deal.”
So when cheap land appears, it feels like opportunity. But in Nigeria, cheap land is rarely cheap by accident. There is usually a reason.
THE HIDDEN PROBLEMS BEHIND CHEAP LAND IN NIGERIA
1. Government Acquisition Issues
Many cheap lands fall under:
- Federal acquisition
- State acquisition
- Pending revocation
Once government interest is involved, ownership becomes meaningless. No matter the receipt you hold.
2. Incomplete or Fake Documentation
Some lands come with:
- Invalid survey plans
- Forged family documents
- Fake excision claims
They look convincing. Until verification begins. And by then, the money is gone.
3. Land Disputes and Multiple Claims
Cheap land often has:
- Family conflicts
- Community disputes
- Multiple sellers
You buy from one party. Another party shows up later. With better claims.
4. Location and Access Risks
Some cheap lands are cheap because:
- Roads are not approved
- Drainage plans don’t exist
- Infrastructure will never come
You save money today. You lose value tomorrow.
WHY CHEAP LAND BECOMES EXPENSIVE
The real cost is not the purchase price.
It is:
- Legal fees
- Survey verification
- Court cases
- Demolition losses
- Emotional stress
Some buyers lose everything. Others spend years trying to “regularize” what should have been clean from day one.
HOW SMART BUYERS BUY LAND IN NIGERIA
Smart buyers don’t chase price. They chase certainty.
They:
- Verify title documents
- Confirm government status
- Inspect land physically
- Engage professionals
- Buy from trusted sources
The one truth they understand is: Safe land is always cheaper than cheap land.
WHY PROFESSIONAL GUIDANCE MATTERS
Land transactions in Nigeria are not simple.
They require:
- Legal checks
- Survey validation
- Government confirmation
- Market understanding
This is why serious buyers work with structured real estate companies. Not roadside promises. Not rushed decisions.
IN OTHER NEWS: Land Ownership And Title Disputes In Nigeria: Understanding The Land Tenure System And Title Verification
CONCLUSION
Sadiq tried again. This time, he slowed down. He asked questions. He verified everything.
The land cost more. But it stood clean. Documents checked out. Peace returned.
And that was when he truly understood:
In Nigeria, the most expensive land is the one you buy cheaply and lose.
📞 CONNECT WITH HOUSE & LAND NAIJA TODAY
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Our Offices
Nigeria: 9 Moses Adebajo Street, Ojodu-Berger, Lagos
USA: 8500 Frederickburgs Lane, Houston TX 77083
Canada: 102-30 El-Tassi Drive, Winnipeg MB
📞 Call Us
Nigeria: +234 707 491 3626 | +234 707 491 3631
USA: +1 (832) 847-5261
Canada: +1 (431) 990-3777
👉 What you should do:
Before you buy land, verify it.
And before you pay, confirm it.
Contact House & Land Naija today.
Educational
Things to Check Before Buying Land in Nigeria: A Complete Buyer’s Guide
When Mr. Abraham finally returned from Canada for Christmas, he was excited. A family friend had “secured” a cheap land for him on the outskirts of Abuja. He didn’t realize that there were things to check before buying land in Nigeria.
The pictures looked perfect.
The price sounded like a miracle.
Three months later, bulldozers arrived.
Not to build his dream home — but to demolish everything on that land.
The land belonged to the government.
What started as excitement turned into silence, regret, and loss.
This painful experience is why every buyer must understand the things to check before buying land in Nigeria.
1. Verify Ownership — Don’t Trust Stories
Never rely on verbal assurances.
Ask for:
- Title documents
- Survey plan
- Seller’s means of identification
Confirm ownership at the land registry. One verification can save you millions.
2. Understand the Land Title
Not all land titles are equal.
Know the difference between:
- Certificate of Occupancy (C of O)
- Gazette
- Excision
Each title affects:
- Security
- Resale value
- Development approval
If you don’t understand it, don’t buy yet.
3. Conduct a Proper Survey
A registered surveyor will:
- Confirm boundaries
- Check government acquisition status
- Prevent encroachment issues
Skipping this step is gambling.
4. Inspect the Location Physically
Visit the land yourself.
Check:
- Road access
- Flood risk
- Neighborhood development
Pictures lie. Reality doesn’t.
5. Use Trusted Professionals
Many land problems come from “agents” with no accountability.
Work with professionals who:
- Verify documents
- Guide negotiations
- Protect your interest
This is especially important for diaspora buyers.
IN OTHER NEWS: Guide to buying property from companies in Nigeria
Conclusion
If Mr. Abraham had taken time to verify documents, inspect the land, and seek professional help, his story would have ended differently.
Buying land in Nigeria can be rewarding —but only when you do it right.
Knowing the things to look out for before trying to buy property in Nigeria protects your money, your peace, and your future.
Ready to Buy Property in Nigeria?
Connect with House & Land Naija Today
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Offices:
Nigeria — 9 Moses Adebajo Street, Ojodu-Berger, Lagos
USA — 8500 Frederickburgs Lane, Houston TX 77083
Canada — 102-30 El-Tassi Drive, Winnipeg MB
📞 Call Us:
Nigeria: +234 707 491 3626 | +234 707 491 3631
Canada: +1 (431) 990-3777
USA: +1 (832) 847-5261
👉 Before you buy any land, talk to us. We’ll help you verify, secure, and invest safely.
Educational
How Nigerians in the Diaspora Can Avoid Real Estate Scams and Fake Listings When Buying Property at Home
Fake Listings and Real Estate Scams are Severely Affecting Nigerians
When Chika moved to the UK, one of her biggest dreams was owning a home back in Lagos — a place she could return to someday and call her own. She saved for years, scrolling through countless real estate listings online. One day, she found the one: a newly-built duplex in Surulere that seemed perfect — modern design, “verified” documents, and a price that felt just right. At that point, Chika hadn’t learned how Nigerians in the diaspora can avoid real estate scams and fake listing when buying property back at home.
She sent money to an “agent” her friend recommended, and waited eagerly for updates. But weeks later, calls went unanswered. The “office” she was told to visit didn’t exist. The property photos? Stolen from another developer’s page.
Sadly, Chika’s story is one too many Nigerians — both at home and abroad — can relate to. Across Nigeria, misleading adverts, fake listings, and poor data transparency have become some of the biggest threats to real estate investors. Whether you’re buying your first plot of land in Lekki or building your retirement home in Enugu, the risk of losing your money to deceitful practices is real.
But this is not where the story has to end. There’s a smarter way to buy — and that’s where verified property transparency comes in.
READ MORE: Beyond the Façade: How Nigeria’s Infrastructure Gap Impacts Your Real Estate Investment.
The Real Estate Reality in Nigeria
Nigeria’s real estate sector continues to boom — driven by urban migration, the diaspora’s appetite for home investment, and rapid development across major cities.
However, the market also faces significant challenges:
- Fake property listings on social media and websites that misrepresent ownership or value.
- Weak market data that makes it hard for buyers to verify property histories or price benchmarks.
- Unverified agents and middlemen who operate without clear documentation or regulatory oversight.
A report by ResearchGate (2024) highlights that over 65% of Nigerian property buyers rely solely on agent claims without demanding verifiable ownership proof. This lack of transparency weakens investor confidence and fuels fraud.
What Experts Are Saying
According to leading real estate experts in Lagos and Abuja:
“Transparency is the backbone of trust in property investment. Every investor, especially Nigerians in the diaspora, must demand proof — verified titles, survey plans, and transaction histories — before paying a dime.”
Others emphasize that Nigeria’s real estate market will only gain global investor confidence when listing verification systems and market data dashboards become standard industry practice.
In other words, the problem isn’t that Nigerians aren’t buying; it’s that they no longer know who to trust. It is important to learn how Nigerians in the diaspora can avoid real estate scams and fake listings when buying properties at home.
How to Overcome the Transparency Trap
To protect yourself and your hard-earned money, here’s what every smart investor should do:
1️⃣ Insist on Verified Documentation
- Request copies of the property’s C of O, deed of assignment, survey plan, and tax receipts.
- Ensure the documents are verified with the Lagos State Land Bureau or relevant state agencies.
2️⃣ Work Only with Verified Platforms
- Avoid random social media listings.
- Use platforms like House and Land Naija where every property undergoes multi-stage verification, including document checks and third-party authentication.
3️⃣ Demand Transparency Reports
- Ask for transaction history, project progress updates, and valuation reports.
- These data points show you’re not buying into a ghost project.
4️⃣ Use Tech to Your Advantage
- Virtual property inspections and digital document verification help diaspora buyers view real-time conditions before purchase.
How House and Land Naija Makes It Easy
At House and Land Naija, we understand how emotional and sensitive real estate investments are — especially for Nigerians in the diaspora who can’t be physically present.
That’s why we provide:
✅ Verified Property Listings: Every home and land on our platform is screened through multi-layer title and survey verification.
✅ Transparent Pricing: You see real prices — no hidden costs or middlemen surprises.
✅ Virtual Inspections: We organize live video tours for diaspora clients, so you can “see before you buy.”
✅ Market Data Insights: Our data dashboards show you comparable sales and price trends in your desired area.
With House and Land Naija, you’re not just buying property — you’re building confidence, trust, and a lasting investment legacy. Yes, you will learn how Nigerians in the diaspora can avoid real estate scams and fake listings when buying property back at home.
Chika’s Second Chance
Months after her loss, Chika found House and Land Naija through a fellow investor. With proper guidance, she verified her next property in Surulere, reviewed authentic documents, and joined a live virtual inspection.
Today, she’s a proud homeowner — not of promises, but of proof.
Her story is a reminder that transparency is the foundation of every lasting investment. Whether you’re in Abuja, London, or Toronto, don’t just buy a house — buy peace of mind.
At House and Land Naija, we turn that dream into a safe reality — by standing for True Property, True Value, and True Stakeholders.
IN OTHER NEWS: From Dream to Disaster: Why Building Your Nigerian Home from Abroad Fails
Time to Take Action
It’s time you learned how Nigerians in the diaspora can avoid real estate scams and fake listings. Act now. Secure your property in Nigeria through verified agents that will help you to protect your investments.
📢 Connect with House & Land Naija Today
🌐 Website: https://houseandlandnaija.com
📧 Email: hello@houseandlandnaija.com
📍 Our Offices Worldwide
- Canada: 102-30 El-Tassi Drive, Winnipeg MB, Canada
- USA: 8500 Frederickburgs Lane, Houston TX 77083
- Nigeria: 9 Moses Adebajo Street, Ojodu-Berger, Lagos
📞 Call Us Anytime
Nigeria: +234 707 491 3626 | +234 707 491 3631
Canada: +1 (431) 990-3777
USA: +1 (832) 847-5261
Don’t wait until you regret a purchase. Let’s ensure your next property is trusted, verified and built to grow.
Build in Nigeria
🏗️ Invest Smart, Build Safe: How to Avoid the Collapse Crisis in Nigeria
Broken Home, Broken Dreams
In 2023, Chinedu, a Nigerian tech entrepreneur living in Atlanta, sent millions of naira back home to build a dream duplex for his aging parents in Owerri. But months later, his joy turned into heartbreak: cracks snaked across the walls, ceilings sagged, and engineers soon declared the building unsafe. The culprit? Cheap materials and an unsupervised contractor who cut corners at every stage. What a sad end to his wonderful dreams! This article will guide on you on how to avoid the collapse crisis in Nigeria.
Chinedu’s story mirrors the silent crisis Nigerians at home and abroad face: buildings collapsing, dreams turning to rubble, lives lost, and hard-earned money wasted. Yet, it doesn’t have to be this way. With the right steps, you can ensure your investment stands tall, safe, and enduring — whether you live in Lagos, London, or Los Angeles.
READ MORE: Hidden Costs to Watch Out For When Buying Properties in Nigeria
Why Buildings Collapse in Nigeria — A Crisis We Must Face
- Poor design & shortcuts: Many projects ignore proper engineering calculations.
- Cheap or fake materials: Adulterated cement, weak iron rods, and bad concrete mixes.
- No soil or site testing: Foundations fail when they sit on unstable land.
- Lack of supervision: Unskilled labor and absent oversight let errors slide.
- Regulatory lapses & corruption: Approvals are given without true inspections.
- Neglected maintenance: Small cracks, leaks, and corrosion worsen over time.
👉 For Nigerians in the Diaspora, these risks are amplified when you’re not physically present to monitor projects.
How to Invest Smart and Build Safe
1. Hire Licensed Professionals Only
Don’t settle for “my brother’s friend.” Demand architects, engineers, and contractors registered with the Council for the Regulation of Engineering in Nigeria (COREN) or Nigerian Institute of Architects.
2. Always Begin with Soil Testing
Your dream home is only as strong as its foundation. Without geotechnical tests, you’re gambling with the land beneath.
3. Buy Quality Materials — And Verify Them
Insist on receipts, test certificates, and site delivery logs. Fake materials are a hidden killer in the industry.
4. Insist on Independent Supervision
Hire a clerk of works or supervisor whose loyalty is to you, not the contractor. Even better, demand weekly photo and video reports if you’re abroad.
5. Plan for Drainage & Environment
Nigeria’s floods and erosion are notorious. Build with drainage, gutters, and flood-resistant measures in mind.
6. Create a Maintenance Culture
Even the strongest buildings weaken without upkeep. Regular inspections save millions in future repairs.
Special Tips for Nigerians in the Diaspora
- Use contractor performance bonds to safeguard your investment.
- Enforce staged payments — release funds only after certified milestones.
- Insist on geo-tagged photo and drone inspections to keep eyes on the ground.
- Keep all documents (drawings, test results, contracts) stored in the cloud.
IN OTHER NEWS: ICPC, COREN Join Forces to End Building Collapse
Quick Diaspora Checklist ✅
- Soil test report secured
- Stamped structural drawings approved
- Verified contractor credentials
- Materials tested and logged
- Independent site supervision arranged
- Drainage/erosion control included
- Maintenance plan in place
Conclusion
When Chinedu rebuilt his parents’ duplex, he did things differently: soil tests, vetted engineers, and weekly drone footage of the site. This time, his investment stood firm — not just a house, but a legacy.
For Nigerians at home and abroad, the message is clear: you don’t just build houses, you build futures. Don’t let yours collapse under shortcuts. Following this guide will help you learn how to avoid the collapse crisis in Nigeria.
Think smart. Plan safely. Build legacy.
📞 House and Land Naija is Here for You!
At House and Land Naija, we help you:
- Vet contractors and materials
- Supervise projects independently
- Provide drone/video reporting for diaspora clients
- Ensure every block you lay meets global safety standards
🌍 Website: houseandlandnaija.com
Email: hello@houseandlandnaija.com
📞 Canada: +1 (431) 990-3777
📞 USA: +1 (832) 847 5261
📞 Nigeria: 090 880 739 63
Educational
Hidden Costs to Watch Out For When Buying Properties in Nigeria
What every Nigerian at home — and in the Diaspora — must know before they sign, pay, or build.
A Diaspora Cautionary Tale
Ufuoma had been saving for years while working in Dubai. She found a “sweet” plot in Lekki online and thought she’d secured a bargain. She wired the seller an upfront allocation fee, then paid for a surveyor and a builder — only to discover later she still needed governor’s consent, a long court search, and an unexpected infrastructure levy from the developer. The small “hidden” fees snowballed, and her savings were stretched thin. No one told her that were hidden costs to watch out for when buying properties in Nigeria. With better planning, a trusted agent and a 20% contingency fund, Ufuoma would have avoided stress and preserved cash for construction!
If you’re buying property in Nigeria — whether you’re in Lagos or abroad — Ufuoma’s story should be your wake-up call: the purchase price is only the beginning.
Why This Matters To You
Hidden costs can add 10%–40% (sometimes more) to your out-of-pocket total, delay your project, and expose you to legal risk. Understanding them upfront protects your money, timing, and long-term returns. So if you live abroad and desire to own a property in Nigeria, this article will show you all the hidden costs to watch out for when buying properties in Nigeria!
READ MORE: DIASPORA DOLLARS, REAL RISK: HOW TO AVOID LAND SCAMS IN NIGERIA!
The Full List — Hidden Costs Every Buyer Must Watch For
Below are the usual suspects and how they commonly show up. I list each cost, why it matters, who typically charges it, and how to manage or reduce it.
1) Agent / Finder’s Commission
- What it is: Fee paid to the estate agent or broker for sourcing the property.
- Why it matters: Often 2–7% of the sale price (varies by agreement). Can be added to your price unexpectedly.
- How to manage: Agree fees in writing before any viewing or negotiation. If you’re overseas, use an agent you’ve vetted and paid via escrow.
2) Legal Fees & Conveyancing Costs
- What it is: Lawyer fees to draft/pull title docs, carry out due diligence, draft the sale agreement, and handle registration.
- Why it matters: You need a lawyer to avoid title problems; cutting corners risks losing everything.
- How to manage: Request an itemized quote and scope of work. Use lawyers who specialize in property conveyancing and ask for references.
3) Title Searches / Land Registry & Search Fees
- What it is: Official searches at the state land registry, court checks for litigation, and search certificates.
- Why it matters: Proves whether a property has encumbrances or multiple claims. Missing this = high legal risk.
- How to manage: Don’t accept verbal assurances. Require registry certificates and copies of searches before payment.
4) Surveyor Fees & Revalidation of Survey Plans
- What it is: Professional survey to verify boundaries, peg positions, and area — and fees to update or revalidate old survey plans.
- Why it matters: Prevents double-sales; ensures you buy the plot you think you bought.
- How to manage: Always instruct an independent licensed surveyor; require a stamped survey plan as a condition of sale.
5) Governor’s Consent (where applicable) & Certificate Issuance Fees
- What it is: For certain transfers (e.g., from an individual), state law requires governor’s consent; this attracts processing fees and sometimes time.
- Why it matters: Transfers without proper consent can be voidable. It can be costly and time-consuming.
- How to manage: Confirm whether consent is required for your transaction and budget time and money for the process.
6) Stamp Duty & Registration Fees
- What it is: Government taxes on instruments and formal registration fees. Rates vary by state and document type.
- Why it matters: Stamp duty is legally required; an unstamped instrument may not be admissible in court. Registration legalizes ownership.
- How to manage: Ask your lawyer to calculate and include these in the closing budget; obtain official receipts.
7) Allocation fees, Development Levies & ‘Estate’ Charges (Developer Fees)
- What it is: Charges by developers for allocating a plot, and later charges for roadworks, drainage, gatehouses, or “facilities development”.
- Why it matters: Some developers bill major levies after allocation; ignore at your peril.
- How to manage: Get a full, written breakdown of developer fees before paying. Insist on escrow for major payments.
8) Service Charges / Estate Maintenance / Homeowners’ Association (HOA) Fees
- What it is: Recurring fees for security, road maintenance, landscaping and utilities in gated communities.
- Why it matters: These are recurring and impact your annual cost of ownership. Some estates charge upfront lump sums.
- How to manage: Clarify recurring amounts, billing frequency, and what they cover. Factor into long-term running costs.
9) Utility Connection Costs (Electricity, Water, Fiber)
- What it is: Meter installations, service connection fees from providers, or paying for trenching/connection work.
- Why it matters: These can be sizeable, especially for rural plots or new estates.
- How to manage: Ask the developer or local utility provider for connection quotes before you commit.
10) VAT on Materials, Contractor Bills & Building Permit Fees
- What it is: VAT on construction materials and services; permit fees for building plans and approvals.
- Why it matters: Construction is expensive; VAT and permit costs will increase your budget.
- How to manage: Budget for VAT and include it in construction quotes. Factor local planning and permit timelines into schedule.
11) Infrastructure / Impact Levies and Local Government Charges
- What it is: Town planning levies, drainage contributions or environmental levies assessed by local authorities.
- Why it matters: They can be demanded later as cities formalize services.
- How to manage: Confirm with the developer and local authority what levies exist and whether they’ve been paid.
12) Ground Rent or Customary Land Charges
- What it is: For certain customary lands, annual dues or payments to traditional rulers may be expected.
- Why it matters: These reappear annually and can cause tension if ignored.
- How to manage: Clarify any customary obligations with community leaders and put them in writing.
13) Mortgage / Loan Arrangement Fees, Valuation Fees and Insurance
- What it is: Bank processing fees, legal fees charged by lenders, valuation fees and life/home insurance.
- Why it matters: Borrowing costs add materially to loan TCO. Some banks charge non-refundable processing fees.
- How to manage: Shop lenders, compare fees, and get a full amortization schedule from the bank.
IN OTHER NEWS: How Real Estate Displaced Crude Oil as Nigeria’s Third Largest GDP Contributor
14) Exchange-rate Losses and Foreign Transfer Charges (for Diaspora)
- What it is: When sending funds from abroad you will pay FX spreads, bank charges and sometimes poor conversion rates.
- Why it matters: Can consume several percentage points of your transferred capital.
- How to manage: Use trusted remittance services, ask for Nigerian-naira invoices, and plan transfers when exchange rates are favorable.
15) Title Insurance (optional but useful)
- What it is: Insures against title defects, fraud, or title disputes that emerge after purchase.
- Why it matters: It’s an extra cost but can be a lifesaver if title risk is non-trivial.
- How to manage: Where available, compare policies and weigh cost vs. risk for high-value purchases.
16) Unexpected Construction Cost Overruns & Contingency
- What it is: Material price inflation, design changes, or site surprises (soil issues, remediation).
- Why it matters: Construction often exceeds budget. Unforeseen costs can derail projects.
- How to manage: Hold a contingency fund (10–25% common) and use fixed-price contracts where possible.
17) Taxes & Annual Property Rates (Local Government)
- What it is: Annual property tax/rates charged by local authorities; enforcement is rising in many urban areas.
- Why it matters: Recurring tax that affects holding cost and net returns.
- How to manage: Clarify tax obligations with local government and build into your cash flow.
So if you live abroad and desire to own a property in Nigeria, this article has shown you all there is to know about the hidden costs to watch out for when buying properties in Nigeria!
Practical checklist — Budget and Negotiation Steps (Use This Before You Sign Anything)
- Ask for a full cost breakdown (sale price + every fee).
- Confirm who pays what (seller vs buyer vs developer).
- Insist on original documents (C of O, survey plan, allocation letter).
- Order an independent survey and lawyer-conducted title search.
- Ask for escrow or lawyer trust account for all major payments.
- Check for developer levies and any post-allocation fees in writing.
- Plan a contingency of 10–25% of total budget.
- If abroad: use geo-tagged video, drone footage and a trusted on-the-ground rep.
- Get a signed receipt for every payment and official transaction evidence.
- Ask for copies of service charge agreements and estate rules.
How Following These Recommendations Benefits You
- Greater Certainty — no surprise fees after you commit.
- Legal Safety — fewer chances of losing your purchase to title defects.
- Better Returns — protecting capital increases your net ROI when you sell or rent.
- Peace of mind — you can invest from overseas without fear, using verifiable processes.
- Project success — fewer delays from unpaid levies, missing permits or misbudgeted builds.
In Conclusion
Buying property in Nigeria is one of the best ways to build wealth — but only when you plan for the full cost. Hidden fees don’t have to be a surprise. With the right lawyer, surveyor and trusted partner on the ground, you can invest confidently from anywhere in the world. So if you live abroad and desire to own a property in Nigeria, this article has shown you all the hidden costs to watch out for when buying properties in Nigeria!
If you want, House and Land Naija can:
- verify title documents on your behalf,
- arrange independent surveys and drone inspections,
- hold funds in escrow with a trusted lawyer, and
- provide an itemized closing budget so you know every naira you’ll need.
Let us help you buy smart and build your legacy.
Contact House and Land Naija to get a full purchase cost worksheet for any property you’re considering.
Ready to Invest with Confidence? Contact House and Land Naija Today
- Visit: houseandlandnaija.com
- Address: Nigeria Office – 9 Moses Adebajo Street, Ojodu, Lagos State
- Address: Canada Office – 102‑30 El‑Tassi Drive, Winnipeg MB, Canada
- Address: USA Office: 8500 Fredericksburg Lane, Houston TX 77083
- Phone (Canada): +1 (431) 990‑3777
- Phone (USA): +1 (833) 323‑4927
- Phone (Nigeria): 070 7 491 36 38
Join the thousands of Nigerians—home and abroad—who’ve secured legitimate, high-value property deals.
Educational
DIASPORA DOLLARS, REAL RISK: HOW TO AVOID LAND SCAMS IN NIGERIA!
In Toronto, Canada, Amaka—a diligent Nigerian engineer—decided to invest in a warm and growing market: her homeland. She stumbled across a seemingly irresistible land offer in Lekki: bargain price, instant ownership promise, and “guaranteed future township.” Her heart leapt—but a voice of caution stopped her. At one point, she overheard her husband discussing how to avoid land scams in Nigeria with another Nigerian friend. She took a snap decision since she didn’t want to become a victim of these land scams.
Amaka insisted to only pay upon verification. While abroad, she had the C of O and survey plan independently checked, hired a licensed real estate agent registered with NIESV, and arranged live drone photos. When the seller pressed her to wire funds immediately, she paused. That very property turned out to have multiple pending court claims. Instead, she pivoted to a verified plot through House and Land Naija—complete with clean documents and legal backing. Today, her land appreciates steadily, and she has full confidence in her investment.
Amaka’s journey illustrates the reality for Nigerians living in the Diaspora: investing in Nigeria’s rising real estate is possible, but only if you are aware of and take proactive measures to prevent frauds. Try to abide by the following guidelines to steer clear of these land frauds.
📌 Recognize the Main Scam Types
- Fake landlords & deposit fraud: Scammers advertise rentals or sales and vanish after you pay an upfront deposit.
- Vacant land schemes: Multiple people sell the same plot, or the property doesn’t exist at all.
- Wire fraud / payment diversion: Fraudsters hijack legitimate email threads to send fake bank details and steal money.
🔴 Spot the Red Flags Early
- Offers that are too good to be true.
- Pressure tactics to send funds immediately.
- Unregistered agents or personal bank accounts used for payments.
READ MORE: Why Building in Nigeria While Abroad is Easier Than You Think
📄 Verify Documentation Thoroughly
- Request physical copies of:
- Certificate of Occupancy (C of O)
- Deed of Assignment
- Gazette
- Survey Plan
- Cross-check with land registry in the property’s state.
🤝 Work Only with Verified Professionals
- Choose licensed agents registered with NIESV or ESVARBON.
- Confirm company registration on CAC portal.
- Engage legal professionals to review contracts.
📉 Use Modern Remote Verification Tools
- Use drone or geo-tagged footage of property.
- Request live video inspections via WhatsApp or Zoom.
- Request pictures with timestamps/geolocation proof.
💵 Secure Payment Practices
- Avoid informal transfers or personal accounts.
- Use escrow accounts or corporate accounts.
- Always collect official receipts.
📸 Image Prompt: Payment verification form with receipt being issued by a professional real estate company in an office setting.
🛠️ Investigate Ownership & History
- Ask for affidavits proving ownership.
- Conduct litigation or lien checks.
- Interview neighbors or community leaders.
⚡️ Never Be Rushed
- Take your time. If you’re being rushed, walk away.
- No legit seller will deny due diligence time.
✅ Why These Tips Matter to You
| Benefit | Why It Matters |
|---|---|
| Peace of mind | Invest with full confidence from overseas |
| Financial safety | Avoid scams and invalid ownership claims |
| ROI protection | Legit investments appreciate over time |
| Legacy assurance | Build generational wealth in Nigeria |
IN OTHER NEWS: Real estate conference empowers professionals with wealth strategies
🌟 Some True Life Stories
- Olumide in London: Almost lost money to a fake developer but was saved by insisting on verifying documents.
- Chinwe in Abuja: Renter scammed out of her deposit now works only with agents vetted by House and Land Naija.
🔝 Conclusion
Back in Toronto, Amaka has been reflecting: she chose caution, not impulse. She chose documentation, not hype. She took note of how to avoid land scams in Nigeria long before she got that opportunity to buy a property in Nigeria. With House and Land Naija as her trusted partner, her real estate investment is safe and thriving.
Now it’s your turn. Whether you’re in London, Lagos, Toronto, or Abuja, you too can invest in Nigeria’s booming property market—safely and confidently. Let due diligence, trusted partners, and verified documentation give you the upper hand.
📢 Connect with House and Land Naija Today
- 🌐 Website: https://houseandlandnaija.com
- 📍 Canada Office: 102-30 El-Tassi Drive, Winnipeg MB, Canada
- 📞 Phone (Canada): +1 (431) 990-3777
- 📞 Phone (Nigeria): 090 880 739 63
Join the thousands of Nigerians—home and abroad—who’ve secured legitimate, high-value property deals.