As a first-time home buyer in a new city, you might run into a few obstacles while looking for a place that best fits your needs and budget. These obstacles could include dealing with real estate agents who want to take advantage of your inexperience and try to take advantage of you, or imposters who pose as homeowners to defraud you of your hard-earned money.

I am here to assist because I am aware of your worries. I will be providing some advice in this post that could serve as a guideline to assist you in better understanding the operation of the Abuja market.

As a real estate executive looking out for your best interests, I will be sharing advice with you in this article. These tips would help you as a first-time home buyer in Abuja. They are listed below:

  1. Establish your financial plan.
  2. Ascertain that your finances are prepared.
  3. Research the neighborhoods in Abuja to find the best fit for you
  4. HIre a reputable real estate agent or company
  5. Always go for Inspections
  6. Consider the long-term benefits
  7. Understand the legal process
  8. Do not rush into a decision
  9. Bargain for the best available rates by negotiating prices
  10. Getting a house for the first time may incur additional costs.

Let’s dive right in and have a better insight into these tips and how to effectively utilize them

1. ESTABLISH YOUR FINANCIAL PLAN: This is the first and most important tip. Having a budget in place before beginning your home search will help you focus your search and will also save you time and effort. There would be so many options to pick from, but with a budget, you would be saved from all that stress. The first question any agent or company would ask you in Abuja is “What is your budget?” because this helps the agents filter their search. Without a budget, purchasing a home is like trying to chop down a tree with a kitchen knife—too stressful. So make sure you have a budget before you begin your search.

2. ENSURE YOUR FUNDS ARE READY AT HAND: In Abuja, there are not many companies that can assist you in obtaining the National Housing Funding (NHF) or that would offer you a payment plan when you are trying to purchase a house. However, there are companies like “Kairos Hof” that can provide you with both. Therefore, before you start the purchasing process, make sure you are pre-approved for a loan if you decide to proceed with it. However, these options are only available for off-plan projects; to purchase a completed, standing building, you must have all of your funds raised and prepared.


To determine if a neighborhood is the best fit for you, it is crucial to research them. As previously mentioned, researching and deciding on a budget both aid in refining your search. Your search will get easier and the work of whoever is assisting you will get easier once you have a budget and a preferred location. When conducting your research, you might want to take into account a few things, like how close your place of employment is to the market, the hospital, and your children’s school (if you have any). Additionally, you should determine whether this neighbourhood has reliable power, clean water, and a decent access road.

4. HIRE A REPUTABLE REAL ESTATE AGENT OR COMPANY: Find an agent who understands the market well and who also has good negotiation skills to help you negotiate properly with these homeowners to get you the best deals possible. It is also very important to do proper research on these agents because there are a lot of fraudulent people out there posing as agents, and you don’t want to fall victim to their scams. The safest option would always be to buy directly from a reputable real estate company. This way, if there is any concern, you could always direct your complaints to their office. But whatever option you decide to go with, always run a proper background check.

5. ALWAYS GO FOR INSPECTIONS: It is important to always go for inspections. Whenever an agent sends you details of any new listings, always make sure you go for inspections and don’t just assume based on the information given by the agents, because the truth is, nobody knows your taste better than you. Besides, you may also want to ensure that everything in the house works as it should, although this is for already-finished buildings. For off-plan projects, inspections are also important because you get to monitor the building process. It is advisable to always go for inspections, and even if you are not available for an inspection, you can get someone whose judgment you trust to go on your behalf. But make sure you go for inspections regularly.

6. CONSIDER THE LONG-TERM BENEFITS: When buying a property, don’t just make your judgment based on what you see now; you may want to base your judgment on the potential the place has to be an urban residence. Think about how the area may develop in the future and how it may impact the value of the house.

7. UNDERSTAND THE LEGAL PROCESS: Make sure you understand the legal process involved in buying a house and have your lawyer review all documents. Additionally, you might want to independently verify the documentation and possibly even take it to the appropriate authorities for appropriate background checks. This is crucial because, in most cases, some developers proceed with construction even though they do not have the required building approval from the appropriate bodies, which will ultimately have a greater impact on you, the buyer.

8. DO NOT RUSH INTO A DECISION: Take your time looking for the ideal home, do not feel pressured to decide, and do not rush the process. Even when purchasing a home, you may find that your options are limited due to your budget and preferred location, and they may not even come close to what you want. Additionally, you will likely encounter agents who will try to rush you into a decision; resist their pressure and take your time to avoid making a decision you may regret.

9. BARGAIN FOR THE BEST AVAILABLE RATES BY NEGOTIATING PRICES: When presented with an offer, make an effort to haggle over the terms of the agreement, including the price, to obtain the best deal. It also allows you to possibly negotiate a better price and terms of sale. You can communicate your needs and desires to the seller through negotiation, and who knows—the seller might even be open to modifying the price to suit your requirements. It all comes down to figuring out a situation where everyone wins.


Getting a new house oftentimes may incur extra charges besides the house price, such as an agency fee, which is usually not more than 10% of the house price. This fee is for the agent or agents that got you the house. There’s also the legal fee, which is also not more than 10%, and this fee is for the legal team in charge of preparing the agreement between the buyer and the seller. Other charges may include service charges, inspection fees, and registration fees, so when budgeting for a new house, you may also want to have a separate budget for these other additional costs.

Finally, there are so many things to look out for when getting a house in Abuja for the first time. You want to be careful not to fall into the wrong hands. I’m so confident that these tips if used effectively, would make it difficult for anyone to tell that you’re a first-time home buyer. Good luck with getting your new home.

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