Harrow & Palm

Addresses on the water’s edge, drawn with care.

Harrow & Palm sells and lets considered homes in Ikoyi, Banana Island, Lekki Phase 1, Eko Atlantic, Maitama and Asokoro. Every title is checked before a listing goes live.

142homes sold since 2019
100%listings title-checked
11 dmedian time to first offer
Five Cowries Creek · looking south
09:30
01 — Homes

Twelve homes, title-checked.

Filter by area, bedrooms and budget. Open a home for its documents, power, flood risk and the true cost of moving in.

Signed in as Tolu Adeyemi Next viewing: Sat 3 Oct, 11:00 · HP-1057 Bourdillon Court HP-VIEW-2481
02 — Finance

What it costs, honestly.

Compare a National Housing Fund loan at 6% with a commercial mortgage around 22%, then see the fees nobody mentions at the viewing.

₦
Prefilled from HP-1063. Open any home and choose “Use in calculator”.
30%
20 years
22.0%
₦

NHF loans are capped at ₦50m at 6% over up to 30 years; anything above the cap is modelled as a commercial top-up. Commercial lenders here rarely go past 20 years. Indicative only.

NHF 6% + top-up
—
per month
Loan—
Total interest—
Commercial 22%
—
per month
Equity—
Total interest—
NHF + top-up balanceCommercial balanceCommercial interest paid per year

Hidden costs for buyers

Budget roughly 12–14% on top of the price in Lagos. Figures follow the calculator price; switch city for Abuja fees.

03 — Owners

For owners who would rather know.

Get a range for your home in a minute, list it in four steps, and follow every view, enquiry and offer from one page.

320 m²
6 years
Estimated sale range
—
Midpoint —≈ — per m²
Confidence
Comparable sales, last 9 months
04 — Advisers

Meet the advisers.

Five people, each with a patch they know street by street. Ask for someone who speaks your language.

Adviser desk · preview

What our advisers see

Not signed in
05 — Market pulse

Price per m², Q3 2026.

Median achieved prices from our own completions and partner agencies, rounded. Rents are yearly.

Q3 2026Q3 2025
i.

Eko Atlantic overtakes Banana Island per m²

New towers price by the square metre and quote in dollars. Buyers are paying for 24h power and flood defence more than for land.

ii.

Lekki Phase 1 is the value belt

Up 19% on a year, yet still under half of Ikoyi per m². Streets closer to Admiralty Way flood in July; inspect then.

iii.

Abuja rents steady, sales thin

Maitama and Asokoro trade slowly. Most stock is let to embassies and oil firms on 2-year terms.

iv.

Band A matters more than finish

Homes on Band A feeders sold 7–9% faster than similar homes relying on estate diesel.

06 — Clients

In their words.

Fictional These testimonials are invented for this demo.

“We bought from London without flying in twice. Adaeze sent the C of O search result before we had even asked for it.”
Chidi & Morayo E. · bought in Ikoyi, 2025 (fictional)
“They told me my asking price was ₦60m too high, and why. It sold in five weeks at the new figure.”
Mrs. Bisi O. · sold in Lekki Phase 1 (fictional)
“The move-in breakdown matched the invoice to the naira. First agent I’ve seen do that.”
Hamza Y. · renting in Maitama (fictional)
07 — Questions

Frequently asked.

If yours is not here, any adviser will answer within a working day.

What does “title-checked” actually mean?

Before a home is listed, our legal partner searches the Lands Registry (Lagos) or AGIS (Abuja) for the C of O or Governor’s Consent, confirms the registered survey plan against the plot, and checks that the deed chain ends with the seller. Each listing shows which of these we have seen and which are still pending.

Why is the agency fee 5% when I buy but 10% when I rent?

Those are the usual Lagos rates. On sales, 5% of the price goes to the agent and a further 5% or so to the lawyer who perfects your title. On yearly lets, the agency and agreement fees are each about 10% of one year’s rent, paid once.

Can I pay in dollars or pounds?

Some Eko Atlantic developers accept USD. Everything else settles in naira. The currency toggle shows indicative conversions only (₦1,560 = $1, ₦2,080 = £1); your bank’s rate on the day will differ.

How honest are the flood and power notes?

They come from our advisers’ visits in the rainy season and from the feeder band on recent electricity bills. We would rather lose a viewing than have you find out in July.

Do you do video viewings for diaspora buyers?

Yes. Choose “Video walk-through” when booking and an adviser will call you from the property on WhatsApp video, tape measure in hand.

How long does a Governor’s Consent take?

In Lagos, currently 3 to 6 months after filing. You can take possession before it is granted, but your lawyer should hold the purchase funds in escrow until the deed is signed.

Start with a conversation, not a contract.

Ikoyi office · 14 Glover Road · Mon–Sat 9–6 Maitama office · 7 Aguiyi Ironsi St · RC 1849021 (fictional)
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