Welcome to the official blog of Amaka Eke Homes & Properties, your premier source for real estate insights and innovations. Whether you’re a first-time homebuyer, a seasoned investor, or somewhere in between, our blog is designed to provide you with valuable information, expert advice, and up-to-date market analysis to help you navigate the ever-changing landscape of real estate.

Here at Amaka Eke Homes & Properties, we believe in empowering our readers by sharing our expertise in property sales, leasing, and management. Our posts cover a range of topics, from practical tips for buying and selling properties to strategic insights on investment and property management. We also explore the latest trends in real estate technology and sustainability, keeping you informed about the newest innovations that can impact your real estate decisions.

Join us as we delve into the complexities of the real estate market, offering clarity and guidance to ensure you make informed, confident decisions. Whether you’re looking to enhance your real estate knowledge or find solutions to your property needs, our blog is here to assist you every step of the way.

Disclaimer:

The content on this blog is for informational purposes only and should not be construed as professional advice. For specific inquiries, please consult a professional. All content is provided “as is”; no representations are made that the content is error-free.

1. Why Every Nigerian Landlord Needs a Proper Tenancy Agreement
2. Understanding Land Ownership and Title Documents in Nigeria
3. How to Register Land Titles in Nigeria: A Case Study of Abuja and Lagos
4. Common Real Estate Scams in Nigeria & How to Avoid Them
5. Steps to Buying a House in Nigeria Without Legal Complications
6. Investing in Real Estate in Nigeria: A Smart Choice for 2025
   

Many landlords in Nigeria make the costly mistake of renting out their property without a formal tenancy agreement—until a dispute arises. Whether you are renting out a self-contained flat or an entire building, a well-drafted tenancy agreement is your first line of legal protection.

Here is why every landlord should insist on a proper tenancy agreement.

1. It Defines the Terms of Tenancy Clearly

A tenancy agreement outlines:

• Rent amount and due date
• Duration of tenancy
• Security deposit
• Who pays for repairs, utilities, and maintenance
• Grounds for eviction or termination

Without this, you are relying on verbal understanding—often disputed later.

2. It Protects You in Court

If a tenant defaults on rent, damages the property, or refuses to vacate, your tenancy agreement will be the key evidence in court. Courts often ask:

• Was there a written agreement?
• What terms were agreed?
• Was notice properly given?

A written contract puts you in a stronger legal position.

3. It Reduces the Risk of Losses and Disputes

A tenancy agreement helps prevent:

• Rent payment issues
• Illegal occupants or subletting
• Unclear responsibilities for damage or utility bills

Landlords with solid agreements spend less time and money dealing with avoidable problems.

4. It Makes Legal Notices Easier to Enforce

If you need to issue a quit notice, notice to recover possession, or notice of rent increase, the tenancy agreement helps determine:

• The length of notice required
• Whether the notice is valid
• What remedies you are entitled to

5. It Enhances Your Professional Image

Tenants are more likely to respect a landlord who operates professionally. A formal agreement demonstrates seriousness and deters troublemakers.

Conclusion

Renting out your property without a tenancy agreement is like handing over your car without asking for a driver’s license. It is risky, unnecessary, and can be financially damaging.

At Amaka Eke & Co., we prepare airtight tenancy agreements tailored to your property, rent structure, and local legal requirements.

Buying land in Nigeria can be one of the most rewarding investments you make—but it can also become one of the most expensive mistakes if you don’t understand the legal documentation involved. With rising land scams and litigation, knowing what documents confer valid title is essential before committing your funds.

In this article, we break down the basics of land ownership and the title documents that provide legal protection.

1. What Is Title to Land?

A “title” simply means legal ownership of land. It gives you the right to use, transfer, lease, or sell the property, and protects you from encroachment or disputes.

In Nigeria, land is governed by the Land Use Act of 1978, which vests all land in each state in the Governor (except land vested in the Federal government or its agencies), to be held in trust for the people. Individuals can only hold rights of occupancy, not absolute ownership.

2. Key Title Documents to Look Out For

a. Certificate of Occupancy (C of O)

This is the most commonly known title issued by the state government, showing that a person has been granted a right of occupancy over a particular plot.

b. Deed of Assignment or Deed of Conveyance or Power of Attorney

This transfers ownership interest from one party to another. It should be registered at the relevant land registry.

c. Registered Survey Plan

This document shows the exact location, size, and boundaries of the land. It helps confirm that the land exists and is not under government acquisition.

d. Allocation Letter / Right of Occupancy (R of O)

Issued when land is allocated by government, often a precursor to a Certificate of Occupancy.

e. Governor’s or Minister’s Consent

When land with an existing C of O is being sold or transferred, the buyer must obtain the Governor’s or Minister’s consent (as the case may be) to perfect title, as required by Section 22 of the Land Use Act.

3. Red Flags to Watch For

• Land without a registered title or with forged documents.

• Land under government acquisition or encumbrance.

• Sellers unable to produce a verifiable root of title.

• Properties with pending litigation or multiple claimants. 
  

4. Why You Need a Property Lawyer

Property transactions should never be done without legal due diligence. A qualified lawyer can:

• Conduct land registry searches

• Verify survey coordinates

• Trace the root of title

• Draft and perfect the necessary documentation

Conclusion

When it comes to land, proper documentation is everything. What you do not verify today can cost you millions tomorrow.

Thinking of buying or regularizing land? Let Amaka Eke & Co. guide you through the legal maze. We provide full due diligence and documentation support to protect your investment.

Visit www.amakaekelawoffice.com to get started or contact us directly.

Registering land titles in Nigeria is essential for proving ownership and protecting your investment. While the process is governed nationally by the Land Use Act of 1978, the procedures vary slightly across states. This document provides a detailed guide using Abuja (FCT) and Lagos State as case studies—two of the most active real estate markets in the country.

Understanding Land Title Registration in Nigeria

Title registration refers to the official government recognition of your interest or ownership in land. It ensures your rights are legally protected and helps prevent disputes, fraud, or illegal encroachments.

Common Land Titles in Nigeria includes:

• Certificate of Occupancy (C of O)

• Right of Occupancy (R of O)
• Deed of Assignment
• Deed of Sublease or Mortgage

Judicial Insights on Title Registration in Nigeria

1. Who May Register Title: Jolasun v. Bamgboye (2010) LPELR-1624(SC)

The Supreme Court in Jolasun v. Bamgboye interpreted Section 6(1) of the Registration of Title Law of Lagos State, stating that only specific categories of persons may apply to be registered:

"Any person who has power to sell, or, entitled at law or in equity, to estate in fee simple... may apply to be registered in the registry as the owner... and any person entitled... to a lease... for an unexpired term of not less than five years... may apply to be registered in the registry as owner of that lease."

— Per Mahmud Mohammed, JSC (Pp. 13–14, Paras B–A)

2. Registration Not Conclusive of Valid Title: Keenline Investment Ltd v. PZ (2021) LPELR-54933(CA)

The Court of Appeal in Keenline Investment Ltd v. Paterson Zochonis Industries Plc reaffirmed that:

"The title guaranteed the first registered owner is not absolute... the register cannot serve as evidence of title... the validity of the transaction leading to the registration must be established in the same way as if the title had not been registered."

— Per Joseph Shagbaor Ikyegh, JCA (P. 56, Paras B–E)

Land Title Registration in Abuja (FCT)

In Abuja, land is held in trust by the Federal Government and administered by the Minister of the Federal Capital Territory (FCT). The registration process is handled by the Abuja Geographic Information Systems (AGIS).

Step-by-Step Guide

1. Conduct a Land Search at AGIS to confirm if the land is free from encumbrances and duly allocated.

2. Obtain a Survey Plan from a licensed surveyor, which must be authenticated by the FCT Surveyor General.

3. Apply for Right of Occupancy or Allocation if acquiring directly from the government.

4. Apply for a Certificate of Occupancy (C of O) with supporting documents and pay necessary fees.

5. Pay stamp duties at the Federal Inland Revenue Service (FIRS) and register at AGIS.

6. Obtain Minister’s Consent for subsequent transfers with required documentation.

7. Register the transaction at AGIS to reflect new ownership.

Use of Power of Attorney in Abuja Land Transactions

In Abuja, a Power of Attorney (PoA) is commonly used in land transactions, especially when an individual or entity wants to transfer interest in land without going through a full Deed of Assignment immediately. However, it is essential to understand its legal implications and limitations.

Role of Power of Attorney in Abuja Land Transactions

1. Authorization for Land Management or Transfer: A PoA allows a person (the Donor/Grantor) to authorize another person (the Attorney/Donee) to act on their behalf. It is used when the owner is unavailable or wants a representative.

2. Requirement for Minister’s Consent: A PoA does not automatically transfer ownership. Ministerial Consent is still required.

3. Registration with AGIS: The PoA must be stamped and registered at AGIS to be legally recognized.

4. Difference Between PoA and Deed of Assignment: PoA grants authority; Deed of Assignment transfers ownership.

Key Steps in Using a Power of Attorney for Land in Abuja

1. Draft the Power of Attorney with a lawyer.

2. Pay Stamp Duty at the Federal Inland Revenue Service (FIRS).

3. Register the PoA at AGIS.

4. Apply for Ministerial Consent if the PoA involves a land transfer.

Please note that while a Power of Attorney is useful in Abuja, it is not a substitute for a Deed of Assignment and does not automatically confer ownership. To ensure full legal ownership, the Donee should perfect the title by obtaining Ministerial Consent and registering the land transaction at AGIS.

Land Title Registration in Lagos State

In Lagos, the Governor holds all land in trust for the people under the Land Use Law. The Lagos State Lands Bureau and Land Registry in Alausa, Ikeja are responsible for land administration.

Step-by-Step Guide

1. Conduct a Land Search at the Lands Registry.

2. Obtain a Survey Plan from a licensed surveyor.

3. Apply for Government Land Allocation through the Lands Bureau.

4. Apply for Certificate of Occupancy (C of O) with all required documents.

5. Obtain Governor’s Consent for subsequent land transactions.

6. Pay stamp duty at LIRS and register the title at the Land Registry.

Abuja vs Lagos: A Quick Comparison

Comparison of key processes:

• Title Administration: AGIS & Minister of FCT vs. Lands Bureau & Governor of Lagos

• Consent for Transfer: Minister’s Consent vs. Governor’s Consent

• Stamp Duty Payment: FIRS vs. LIRS

• Title Registration: AGIS vs. Land Registry, Alausa

• Use of PoA: Common in Abuja but must be registered

Conclusion

Whether you are buying land in Abuja or Lagos, registering your title is a legal necessity and protects your investment. It involves conducting a search, obtaining a survey plan, applying for title documentation, obtaining Minister’s or Governor’s Consent (as applicable), and final registration. Engage a lawyer, surveyor, or property expert to guide you through the process.

Disclaimer

This blog post is for general informational purposes only and does not constitute legal advice. Procedures and fees may vary based on policy changes, local regulations, and individual circumstances. Always consult a licensed legal practitioner or real estate professional for advice tailored to your specific situation.

Nigeria’s real estate sector is booming, but it is also plagued by fraudulent activities. Many unsuspecting buyers and investors fall victim to scams due to lack of proper due diligence. Here are common real estate scams and how to protect yourself.

1. Fake Land or Property Ownership

Scammers sell properties they don’t own by forging documents.

Solution: Always conduct a land search at the land registry before making payments.

2. Omonile Fraud

Local land grabbers (Omoniles) often sell land multiple times to different buyers.

Solution: Get legal verification and insist on official documentation.

3. Government-Acquired Land Sales

Some properties sold by individuals or agents are under government acquisition.

Solution: Check with the appropriate government agencies before buying.

4. Uncompleted or Fake Housing Schemes

Some developers collect payments for houses that are never built.

Solution: Buy from reputable real estate companies like Amaka Eke Homes and Properties.

5. Rental Fraud

Scammers pose as landlords or agents, collect rent from multiple tenants, and disappear.

Solution: Always visit the property in person and confirm ownership before paying.

Final Tip: Always work with a trusted real estate firm to safeguard your investments. Contact Amaka Eke Homes and Properties for verified properties today!

Buying a house is a significant financial commitment, and ensuring a smooth process requires careful planning and legal due diligence. Here’s a step-by-step guide to help you navigate the process:

1. Define Your Budget & Location

Before searching for a property, set a realistic budget and choose a location that suits your needs and lifestyle.

2. Engage a Professional Realtor & Lawyer

Work with a reputable real estate company to avoid fraudulent transactions. A lawyer will also help verify property documents.

3. Verify Property Title & Ownership

Request for the Certificate of Occupancy (C of O) or Governor’s Consent to confirm ownership and legal standing of the property.

4. Conduct Land/Property Search at Relevant Agencies

Check the land registry to ensure the property is free from disputes or government acquisition.

5. Sign the Sales Agreement & Make Payment

Once due diligence is completed, sign a legally binding contract before making payment.

6. Obtain Necessary Approvals & Documentation

Get all required permits, including Deed of Assignment and Survey Plan, to protect your ownership rights.

Want to buy a house stress-free? Contact Amaka Eke Homes and Properties today!

The Nigerian real estate market continues to grow, presenting lucrative investment opportunities for individuals and businesses. Whether you are a first-time investor or a seasoned property buyer, understanding the market trends and key factors before making a decision is crucial.

Why Invest in Nigerian Real Estate?

1. High Demand for Housing – With Nigeria’s rapidly growing population, the demand for residential and commercial properties is on the rise.

2. Appreciating Property Value – Real estate remains a stable investment with high potential for appreciation over time.

3. Passive Income Opportunities – Investing in rental properties can generate consistent cash flow.

4. Government Initiatives – Policies like reduced interest rates on mortgages and incentives for real estate developers boost the sector.

Best Locations to Invest In

   •   Lagos – The commercial hub of Nigeria with high rental yields.

   •   Abuja – The capital city with growing infrastructural development.

   •   Port Harcourt – A key location for oil and gas investments.

 •    Enugu - An emerging real estate hotspot known for its cultural significance and developmental potential.

   •   Owerri – Gaining popularity for its hospitality sector and residential developments.

   •   Akwa Ibom – Known for its rapid development and potential in both residential and commercial real estate.

If you’re considering an investment, Amaka Eke Homes and Properties can guide you in selecting the best properties tailored to your needs.