Renting a flat in Lagos requires more preparation than most first-time renters expect. Annual rent is paid upfront, total move-in costs are 130–150% of the headline rent, and the right area choice depends almost entirely on commute time to your workplace.
The most important rule: budget total move-in cost, not just rent
On a ₦1.5m/year flat, your total move-in outlay is typically ₦1.9m–₦2.2m: rent + 10% agency fee + 5–10% legal fee + 1 month caution deposit. Have this full amount available before starting viewings.
Title verification protects your entire payment
Before signing or paying anything, verify the landlord holds legitimate title — C of O or clean Deed of Assignment. Refusing to show title is the most reliable red flag in Lagos rental fraud.