Before signing any property sale agreement in 2026, asking the right questions can save you millions of naira and years of legal headaches.
Experienced investors and top real estate lawyers in Lagos, Abuja, and Ogun now use this updated 8-question checklist to protect themselves. Skipping any of these has cost buyers heavily in the past.
The 8 Essential Questions You Must Ask
- Is the title perfect and fully registrable? Ask for: Original C of O / Governor’s Consent, registered survey plan, and proof of up-to-date ground rent & Land Use Charge. Red flag answer: “The C of O is with the family” or “We’ll sort it after payment.”
- What is the exact payment structure and timeline? Get everything in writing: deposit, milestones, final payment, and penalties for delay on either side. Red flag: Vague instalment plans or pressure to pay large sums before title perfection.
- Has the developer or seller ever had title disputes or court cases on this land or similar projects? Request a clean search report and ask directly. Red flag: Evasive answers or “small family matter that has been resolved.”
- Are there any hidden charges, development levies, or future assessments? Ask for a full breakdown of all fees beyond the purchase price (infrastructure levy, estate dues, LUC, etc.). Red flag: “It will be sorted later” or sudden extra charges after signing.
- What are the exit clauses and refund policy if the project is delayed or cancelled? Especially important for off-plan purchases. Red flag: No clear exit clause or refund only after “reasonable time” with no interest.
- Is the property free from encumbrances (mortgage, lien, caveat, or pending litigation)? Demand a current official search report (not older than 30 days). Red flag: Search reveals any encumbrance or the seller refuses to provide a recent one.
- What is the developer’s or seller’s track record on previous projects? Ask for names of completed estates and contact details of previous buyers. Red flag: No verifiable past projects or reluctance to share buyer references.
- Who is responsible for title perfection and registration, and who bears the cost? Get this clearly stated in the agreement. Red flag: Agreement is silent on who handles Governor’s Consent and registration costs.
Pro Tips for 2026
- Never sign without your own independent lawyer reviewing the agreement.
- Insist on escrow for payments until key milestones (title search, consent, registration) are completed.
- For off-plan: Include specific completion dates with penalties for delays.
- Always do your own due diligence — never rely solely on the seller’s documents.
Final Thoughts
In 2026, the property market remains attractive but risky. The difference between a great investment and a nightmare often comes down to asking these 8 questions before you sign.
Take your time. A few extra days of due diligence can save you years of regret and millions of naira.
Which of these questions has saved you money in the past, or which one do you think is most important? Share your experience below!
Disclaimer: This information is for general purposes only and not legal advice. Consult a qualified real estate lawyer for guidance.
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