A cash offer means certainty and speed. It also means less money than an open-market sale would produce. That is the whole trade, and no page that hides it is being straight with you. Here is exactly how much less, why, and how to work out whether it's worth it for your situation.
Capital gains tax still applies. A quick sale doesn't avoid it.
Read this before anything else on the page.
A cash offer is below market value. Always. Everywhere. By every company that makes one. That is not a criticism of the model — it is the model. A cash buyer is taking on the risk, the holding cost and the work of reselling, and is paid for that through the discount.
When a company advertises "no fees" or "100% risk-free", both things can be technically true while the material fact is missing. There is no commission because there is a discount, and the discount is larger than any commission would have been. The risk is not that the sale falls through — it's that you accept substantially less than the property is worth.
Cash buyers in Nigeria discount more heavily than in markets like the UK, and the reason is arithmetic rather than greed: the cost of capital here is far higher. Commercial naira lending runs at 20–28%. Money tied up in a property for six months has to earn its keep, and that shows up in the offer.
So we've built the comparison below rather than a persuasion page. For most sellers who can wait three to six months, an open-market sale nets considerably more. For a minority who genuinely cannot wait, the certainty is worth paying for. Work out which one you are before you talk to anybody — including us.
Put in your numbers. This tool is built to give you the honest answer, including when that answer is "don't take the cash offer".
Net proceeds and time to money, side by side.
We would rather turn away a seller who shouldn't take this than complete on one who regrets it.
So you can see where the number comes from, rather than receiving one and wondering.
Seven days is achievable only where your title is already perfected. If Governor's Consent was never obtained on your own purchase, then under section 22 of the Land Use Act you cannot presently give a buyer good title — and no amount of cash urgency changes that.
In that situation the realistic options are: complete the perfection first and then sell properly, or accept a materially lower offer from a buyer willing to take on the perfection risk themselves. We will tell you which situation you're in before making an offer, not after.
Four steps, and you can stop at any of them.
The form below. Address, type, title position and how soon you need the money.
An independent valuation and a physical inspection. You get the valuation whether or not you accept an offer.
The cash offer, and what we think an open-market sale would net you. Side by side, in writing.
Accept, take the open-market route instead, or do nothing. No fee either way, and no pressure to decide the same day.
If you can wait three to six months, a managed open-market sale will almost certainly net you more — often substantially more. It covers valuation, title completion, buyer qualification, marketing, negotiation, payment protection, tax calculation and remote signing, at 4–5% commission. We'd rather point you there than sell you a discount you didn't need.
You'll receive the cash offer and an honest view of what the open market would net you. No fee, no obligation, and no pressure to decide quickly.
Including the ones that don't flatter the product.
Realistically 70–85% of independent market value, with around 78% typical where title is clean and the property sits in a strong area. The exact figure depends on title, location, condition, occupancy and how fast you need to complete. Anyone advertising a cash offer at or near full market value is not describing a cash offer.
Mostly the cost of money. A cash buyer's capital is tied up until they resell, and naira lending runs at roughly 20–28%. Six months of that on a large sum is a serious carrying cost, and it is priced into every offer in this market. Title and enforcement risk add to it where perfection is incomplete.
There's no agency commission and no marketing cost, which is true and worth something. But we'd rather you understood it properly: the discount is considerably larger than the commission you'd have paid. On a ₦100m property, a 5% commission is ₦5m — a 22% discount is ₦22m. "No fees" is accurate and, on its own, misleading. That's why this page leads with the discount instead.
Only where your title is already perfected — consent obtained and registered — and all documents are to hand. Where perfection is outstanding, seven days is not achievable by anyone, because under section 22 of the Land Use Act you cannot validly assign without consent. We'll tell you which position you're in before making an offer.
Yes. Selling quickly, or at a discount, doesn't remove the tax. Capital gains tax applies to property disposals other than principal private residences. Take advice from a qualified Nigerian tax adviser on your own specific position.
There is no freehold land in Nigeria. The Land Use Act 1978 vested all land in the state Governor, and everyone — Nigerians and foreigners alike — holds a right of occupancy rather than freehold, typically for up to 99 years. What matters here is the strength of your right of occupancy and whether consent and registration are in place.
No, and you should treat pressure from anyone in this market as a warning sign. A legitimate offer will still be available next week. We deliberately send you the open-market comparison alongside the offer, which means we hand you the argument against our own product — because a seller who understands the trade and accepts it is a better outcome for everyone than one who feels rushed.
A cash offer is below open-market value. Indicative ranges on this page are typical, not promises, and any offer made to you depends on independent valuation, title status, condition, occupancy and timing. No figure here is an offer or a valuation.
Speed is conditional on title. Completion timescales assume title is perfected, with Governor's consent obtained and registered under section 22 of the Land Use Act, and that documents are available. Where perfection is outstanding, completion will take longer or may not be possible until it is resolved.
There is no freehold land in Nigeria. Under the Land Use Act 1978 all land is vested in the Governor of each state, and holders have a right of occupancy, generally for a maximum of 99 years.
This is not financial, legal or tax advice. Capital gains tax applies to a quick sale as to any other disposal. Take independent advice on your own position before committing.
