Buying
Buy your first property without buying someone’s dispute.
The danger is not the price. It is buying something that was never the seller’s to sell, and finding out after the money has gone.
- One property is enough to start
- Checks before the money moves
- A verdict either way
What goes wrong
Where a first purchase actually goes wrong.
None of these is exotic. They are the ordinary failures a title search, a survey and somebody standing on the ground are for, and they are the ones our city pages list check by check.
The document you are shown is not always the document that decides.
The document is not the title.
A receipt, an allocation letter or a power of attorney gets shown as though it settles the question. What the registry actually holds is a different document, and it is the one that decides.
The seller is one heir of many.
An estate under administration can be sold by somebody holding a share and not the authority to pass the whole of it. The consent that is missing is not written on the paperwork you are handed.
The survey and the ground disagree.
A plan can stop short of the plot it is supposed to describe. Nobody finds out until a wall goes up on the part that was never in it.
The money moves before the checking does.
A deposit is asked for first and the questions are asked afterwards. Once the money has gone, every question is harder to ask and easier to put off.
Where this sits
Stages 1, 2 and 3 of the seven
You meet three of them, in this order, and they are stages of the one process every property goes through with us rather than a shorter one written for a first buyer.
See all seven stages
- 01Verification, on this page
- 02Title perfection, on this page
- 03Acquisition, on this page
- 04Build supervision
- 05Furnishing
- 06Letting and facilities
- 07Distribution and payout
Verification
Five checks against the registry, the survey and the building itself, each recorded with the name of whoever performed it and the evidence behind it. The fee is charged whether we approve the property or reject it: a fee that only landed on approval would be a reason to approve.
What you get
A written verdict, with the name of whoever reached it.
Title perfection
What the seller shows you and what the registry holds are two different documents. This is the work that makes them one, before you are committed to anything.
What you get
The title as the registry actually holds it, not as it was described.
Acquisition
Only if it clears. The property gets its own bank account, opened against it and never pooled, and every naira in or out is posted where you can see it from wherever you live.
What you get
Completion, and the property’s own bank account opened against it.
What refuses
The parts nobody can quietly skip.
Not a promise about how carefully we work. Each of these is a rule that stops the stage above it being skipped or faked, and each is enforced by the part of the system that cannot be talked round.
Verification
No check without a note
A check recorded with no note is refused: a result nobody explained cannot be reviewed by anyone else. And once a verdict is reached the checks are sealed: a verdict written against a record that can still move is a verdict about nothing.
Title perfection
No date the title never had
A title state cannot carry a date it never had. The record refuses a date with no state behind it, and where the date is genuinely unknown the state stands alone rather than borrowing the day we happened to record it.
Acquisition
No money without its own account
Money cannot land against a property that has no account of its own. There is no pooled client account to fall back to, so the refusal has nowhere convenient to go.
What it costs
The part of the price list that applies to you.
Read from the same schedule that posts fees to your ledger. The verification fee is quoted before any work starts and charged whichever way the answer comes back.
See the whole scheduleWhat these stages charge
- Verification₦250,000.00 to ₦450,000.00 quoted per engagement before we start
Quoted per engagement before we start. Charged whether we approve the property or reject it. The work is the same, and a fee that only lands on approval would be a reason to approve.
- Title perfection₦850,000.00 to ₦3,500,000.00 when the title reaches the state
Banded by state and title condition, and stated when the title is perfected.
- Acquisition advisory5% of the purchase price, on completion
What we never charge for
- Money sitting in your property accountNo charge
It is your money waiting, not a balance we are earning on.
- Leaving usNo charge
No exit fee, and no notice period that functions as one. The ledger and every document in it leave with you.
- Converting your payoutNo charge
No markup on the exchange rate. Payouts convert at the rate our bank gives on the day, and the rate and the moment it was captured are printed on the transfer.
Verification is a professional opinion on the evidence available, not a guarantee against fraud. We say so here because we would rather be trusted than believed.
What happens next
Five questions, then a written verdict either way.
Nothing on this page commits you to buying anything, and the fee for looking is the same whichever way the answer comes back.
Start a verificationYou tell us what you are looking for.
Five short questions, and every answer saves as you give it. You can close the page and come back on another device without losing anything.
Who you are · Where · Details · Purpose · Contact
We quote the verification before any work starts.
The registry, the survey and the building itself, with every check recorded against the name of whoever performed it and the evidence behind it.
₦250,000.00 to ₦450,000.00 quoted per engagement before we start
You get the verdict in writing, either way.
If it clears, the property gets its own bank account and its own ledger, and you can read both from wherever you live.
A written verdict, with the name of whoever reached it.
What you can go and read
- A property we said no toThe written verdict, in the verifier’s own words, with the rejection rate and its denominator in the same sentence.Read it
- What a real entry looks likeBoth sides of the posting, the account codes, the hand that filed it: the ledger’s own row, not a summary drawn for a website.Read it
- The NRBVN path, from abroadNRBVN verification usually completes in three to ten working days.Read it
The ask
We say no when it should be no
The most useful thing we can show a first buyer is not a property we approved. It is one we turned down, and the written reason we turned it down, published with the address and the seller withheld, because somebody is still trying to sell it.