Whether you are comparing a home, commercial space or a longer-term investment, a clear checklist can help you separate confirmed details from assumptions. The checks required depend on the property, location and transaction, so use this as a planning aid and seek independent professional advice.

1. Define what the property needs to do

Write down the intended use, who will use the property, your timing and the practical features that matter most. This makes it easier to compare options on relevant details instead of deciding on a viewing alone. If plans depend on a particular use, ask an appropriate local professional to confirm the applicable restrictions.

2. Visit the site and identify what is included

Arrange an in-person visit where appropriate. Confirm the location, boundaries or unit being discussed and compare the on-site details with the description. Ask about access, visible condition, services, shared spaces and any work that may be needed. For technical or boundary matters, involve qualified professionals rather than estimating from photographs.

3. Confirm the seller’s identity and authority

Ask who owns or controls the property and who is authorised to negotiate or accept payment. If someone is acting for another person or organisation, ask for the basis of that authority. Have the identity and supporting information checked independently before you rely on it.

4. Arrange an independent review of relevant documents

Ask a Nigerian property lawyer or other suitable local professional which records and searches are appropriate for the property. Have the professional check the documents through relevant sources and explain any unresolved issues. Do not assume that a copy supplied by a seller, agent or listing has already been independently verified.

Our separate guide explains how to approach property verification and due diligence.

5. Understand the full cost and payment path

Ask for the price and every additional charge you may be expected to pay, including professional, administrative or property-related costs that apply. Confirm who each payment is for, the payment schedule and what evidence of payment you will receive. Ask for any proposed price change or extra cost in writing.

6. Read the written terms before committing

Have the proposed agreement reviewed by your own qualified adviser. Make sure the parties, property description, price, conditions, included items and timing are understood before signing or sending money. Keep copies of the final agreement, receipts, correspondence and any independent reports.

If a material detail is inconsistent, you are prevented from carrying out reasonable checks, or you are pressured to pay before you understand the terms, pause and ask for advice.

This checklist is general educational information, not legal, financial, survey or title-verification advice. Requirements vary by property and location; get professional guidance for your circumstances.