Your Home. Your Choice. Your Finish.

Yes. Semi-Finished purchasers may engage qualified contractors of their choice for the remaining interior finishes, subject to estate rules and protection of structural members, fire exits, shared services and common areas. The Schedule of Works in your offer sets out exactly what is included.

The Finished price is the Semi-Finished selling price plus 24.9%. A separate 7.5% Development and Statutory Fee applies to whichever option you choose.

There are two routes. Outright purchase: pay outright in one payment with a 1.5% discount, or spread the price over 3, 6 or 12 months with a one-time 5%, 10% or 15% price adjustment, paid in monthly instalments. Mortgage financing: FMBN NHF, FMBN Diaspora or MREIF through participating lenders, subject to lender approval.

A single 7.5% fee that covers the Deed of Partition, LASBCA building approval and development fees. It is shown and charged separately: on the adjusted contract price for outright purchases, or on the selected home's price for mortgages. It is never added to your mortgage principal or monthly instalments.

A one-time 2% charge applies to the unpaid overdue amount of that instalment only, not to the whole property price, and it does not compound. For example, if ₦3,000,000 of an instalment is overdue, the charge is ₦60,000. Mortgage arrears follow your lender's contract instead.

You receive a conditional offer with a unique reference, setting out your price, the separate 7.5% fee and your payment dates. For mortgage applications, the 10% initial deposit is due within 48 hours of issuance, and the offer is valid for seven calendar days. A conditional offer is not a confirmed allocation, a cleared payment or an approved mortgage.

You may be assessed for another financing route, pay the shortfall yourself, or seek cancellation and a refund assessment under the approved agreement. A declined mortgage is not automatically a forfeiture of the entire deposit.

The approved target is 30 calendar days after the refund entitlement is confirmed and necessary details have been provided.

The conditional offer provides the designated Lotus Bank account and your application reference. Independently confirm payment details with Harmony Garden before making a transfer. No application is marked paid until Finance verifies the transaction.

Eligibility depends on the applicable programme requirements and an assessment of your circumstances. Use the eligibility checker to begin a preliminary assessment.

The FMBN / NHF pathway is linked to the National Housing Fund and generally requires you to be a contributor. MREIF (the Ministry of Finance Incorporated Real Estate Investment Fund) is a Federal Government-backed mortgage financing pathway accessed through participating banks and eligible financial institutions. Rates, tenors, loan limits and requirements differ by route, and our team can help you understand which may apply to you.

Typically a valid means of identification, proof of income (such as payslips or bank statements), evidence of NHF contribution where applicable, and proof of address. The exact list depends on your financing route and lender.

We look at your available equity, income, existing debt obligations, age and repayment term, and route-specific requirements such as NHF contribution. The result is indicative only; final eligibility is determined by the applicable programme and lending institution.

Enter the property price, your deposit, income, financing route and repayment period. The calculator estimates your monthly repayment, total interest and upfront cash, including the separate 7.5% Development and Statutory Fee, using a standard amortisation formula. It does not submit an application or issue an approval.

Yes. You can book a physical or virtual inspection of any participating estate before or during your application.

After submitting an application you receive a reference number. Use it with your email address on the Track Application page to see your current status.

Yes: the separate 7.5% Development and Statutory Fee, and for mortgages your initial deposit (from 10%). Lender fees may also apply. The calculator shows an estimate; exact figures are confirmed in your offer.

Timelines vary by financing route, lender and how quickly documents are provided. Our team will keep you informed at each stage of your application.