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Affordable Places to Live as a Remote Worker in Lagos by Dennis Isong

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Lagos is not the cheapest city to live in, but with the right information, you can find an affordable place that suits your needs as a remote worker.

If you have ever tried working remotely in Lagos without proper planning, you already know how fast your data subscription disappears.

It’s like your WiFi is fasting and praying for deliverance! And let’s not even talk about the rent—some landlords think they are renting out properties in Banana Island when, in reality, it’s more like “Plantain Village.”

Lagos is a great city for remote workers, but choosing the right area to live in can make all the difference.

You need a place that is affordable, safe, and has stable electricity and internet access. Here are some top locations that fit these criteria without draining your bank account.

1. Ogudu

Ogudu is one of the hidden gems in Lagos. It offers a mix of affordability, security, and accessibility.

The cost of renting a mini-flat (self-contained apartment) in Ogudu ranges from ₦500,000 to ₦1,200,000 per year. The roads are relatively good, and you have easy access to the Third Mainland Bridge, making it easy to get to the Island if needed. Internet service is also strong, with providers like MTN, Airtel, and Spectranet delivering good speed.

2. Abule Egba

Abule Egba has improved significantly in recent years. With the new flyover bridge and better road networks, commuting to other parts of Lagos is much easier.

The area is budget-friendly, with mini-flats going for ₦300,000 to ₦700,000 per year.

There are supermarkets, restaurants, and co-working spaces nearby if you ever need to step out of your home office. Power supply is also fairly stable compared to some other places in Lagos.

3. Gbagada

Gbagada is a sweet spot for remote workers looking for a calm environment that is still close to the business districts.

The rent is slightly higher than in Abule Egba, with mini-flats ranging from ₦700,000 to ₦1,500,000 per year. But the extra cost comes with benefits—better security, less traffic stress, and more reliable power supply. Plus, you get quick access to Ikeja, Victoria Island, and Lekki if work ever demands physical meetings.

4. Ikorodu (Some Parts)

Ikorodu is not just for people who love long-distance travel. Some areas like Agric, Ogolonto, and Ebute are fast developing, with better road networks and growing commercial activities.

You can get a decent mini-flat for ₦250,000 to ₦600,000 per year. The internet connection is not bad if you go with reliable providers. The only downside? If you need to be on the Island regularly, the commute might test your patience.

5. Oshodi-Isolo

Oshodi has changed from the chaotic reputation it had in the past. The Isolo side, in particular, is a solid choice for remote workers. Rent prices are between ₦400,000 and ₦900,000 per year for a mini-flat. There’s good access to transport, markets, and a variety of restaurants. The area is also well-connected to Ikeja and Surulere, making movement easy.

6. Mowe & Ibafo (Bordering Lagos and Ogun State) If you don’t mind living slightly outside Lagos,

Mowe and Ibafo are excellent options. They are along the Lagos-Ibadan expressway, and many professionals are moving there due to lower rent and better housing options. You can get a decent apartment for ₦200,000 to ₦500,000 per year.

The internet connection is getting better, especially with fiber-optic expansion. If you are a remote worker who values peace and space, this might be the best place for you.

Things to Consider Before Choosing a Place

Power Supply: Lagos has unpredictable electricity, so areas with better supply should be a priority. Places like Gbagada and Ogudu tend to have more stable power. • Internet Connection: Check which provider has the best network in the area.

Transport & Accessibility: If you need to move around frequently, consider areas with good road networks and less traffic congestion.

Budget: Don’t just look at rent; consider other costs like service charges, security levies, and water supply.

Lagos is not the cheapest city to live in, but with the right information, you can find an affordable place that suits your needs as a remote worker.

Whether you choose Ogudu for convenience, Abule Egba for affordability, or Mowe for peace and quiet, there is a perfect spot for you.

Just remember, wherever you settle, invest in an inverter or a backup power source—because even in the best areas, NEPA will always remind you that they are in charge!

Dennis Isong and team.

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“Only 37% of Nigerian roads are in good condition ” – MAN

The Nigerian government holds the primary responsibility for creating an enabling environment to unlock the manufacturing sector’s potential.

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L-R: MD Coleman Wires and Cables industries limited, Mr. George Onafowokan, DG MAN, Mr. Segun Ajayi-Kadir, and Mr. Adetunji Aderinto, founder Zetamind consulting limited at a conference organized by Business Day in Lagos on Thursday.

“Only 37 percent of Nigerian roads are in good condition, which continues to increase production and transportation costs, making Nigerian products less competitive.”

“Segun Ajayi-Kadir, the Director – General of the Manufacturers Association of Nigeria (MAN), gave this statistics during the 2025 Manufacturing Conference organized by BusinessDay in Lagos, with the theme: “Unlocking Nigeria’s Manufacturing Potential: Strategies for Sustainable Growth Amid Economic Turbulence.”

Ajayi-Kadir noted that while recent improvements in infrastructure is commendable, there’s need for investing significantly in critical transport infrastructure — roads, ports, and industrial corridors — to reduce logistics bottlenecks and improve market access.

He stated, “The Nigerian government holds the primary responsibility for creating an enabling environment to unlock the manufacturing sector’s potential.

This requires strategic action across infrastructure, fiscal policy, and regional integration.”

Ajayi-Kadir acknowledged the passage of four tax reform bills aimed at streamlining the tax system and praised the government’s “Nigeria First Policy.”

However, he emphasized the need for swift and effective implementation.

He further recommended making the Nigeria First Policy a binding law, with penalties for violators, to ensure transparency, public awareness, and enforcement.

Ajayi-Kadir further called for establishing structured platforms for regular consultations with manufacturers to align policies with industry needs.

“There is need for setting up systems for timely and relevant export data sharing through embassies, trade attachés, and relevant agencies to help manufacturers access global markets.

Also ensuring consistent and transparent policy-making to boost investor confidence and foster long-term growth.”

The Managing Director of Coleman Wires and Cables Industries Limited, Mr. George Onafowokan, noted that more foreign investors are entering Nigeria to establish businesses despite prevailing economic challenges, even as some local businesses continue to complain about the operating environment.

He urged Nigerian manufacturers to look inward and explore the abundant opportunities within the country to boost their enterprises.

In the same vein, Adetunji Aderinto, founder of Zetamind Consulting Limited and a fellow panelist, remarked that foreign investors often recognize prospects in the Nigerian market that many local manufacturers overlook.

He advised manufacturers to reduce costs through technology adoption and data utilization.

“Some manufacturers shut down operations because they don’t understand what their customers need. They need to increase market share and strengthen their supply chains,” Aderinto added.

The Director -General of the Nigerian Association of Chambers of Commerce, Industry, Mines and Agriculture (NACCIMA), Mr. Olusola Obadimu, called on the Federal Government and the Central Bank of Nigeria (CBN) to take urgent steps to curb inflation.

He also urged state governments to focus more on people-centric development rather than internally generated revenue alone.

The panelists collectively encouraged Nigerians to patronize locally made products and commended the Federal Government’s efforts in promoting the “Buy Nigeria” campaign.

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Complete List of Documents You Need to Buy Land in Lagos by Dennis Isong

And if you’re serious about doing it right, reach out to someone who knows the Lagos real estate landscape like the back of his hand. Someone like, well… me.

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Always confirm documents from the Lagos State Land Registry and avoid cash-only deals without paperwork.

Buying land in Lagos can be a rewarding move—whether you’re planning to build a home, invest for the future, or start a commercial project.

But while the opportunities are exciting, the process isn’t as straightforward as just paying and getting a receipt.

Lagos, like many parts of Nigeria, has its peculiar legal and property documentation system, and understanding this system can be the difference between owning your land and losing your hard-earned money.

If you’re thinking about land ownership in this dynamic city, then knowing the documents you need to buy land in Lagos is not just helpful—it’s essential.

These documents are your only legal shield in a city where land disputes and multiple claims are far too common.

Let’s break it all down in a way that’s easy to understand.

First Things First: Why Documentation Matters

In Lagos, land ownership is often a maze.

There’s family land, government-acquired land, excised land, and committed land. Many buyers have found themselves entangled in court cases or financial loss simply because they didn’t know what papers to ask for.

Documents give your land transaction structure and legality. Without them, your ownership is shaky at best and fraudulent at worst.

Now let’s walk through the key documents you must check for—and get—before buying land in Lagos.

The Survey Plan

This is the starting point. A survey plan shows the exact location and measurements of the land. It tells you where the land is and how big it is.

More importantly, it helps confirm if the land falls within a government-acquired or committed area.

Government-acquired lands are off-limits unless the land has been officially released (excised).

A verified survey plan will also tell you whether the land has been registered before.

To be on the safe side, always take the survey plan to a registered surveyor or the Lagos State Surveyor General’s office for charting.

That way, you know you’re not buying into trouble.

The Deed of Assignment

when land changes hands—from seller to buyer—a Deed of Assignment is what captures that transfer.

This document states the details of the transaction: who sold it, who bought it, the size of the land, the location, and the terms of sale.

It must also indicate the history of ownership—how the seller came to own the land in the first place.

This document is legally powerful and must be prepared by a property lawyer. After signing, it should be submitted for Governor’s Consent, which we’ll explain shortly.

A Deed of Assignment without proper registration is like buying a car and not transferring the papers—ownership can easily be disputed.

The Certificate of Occupancy (C of O)

Now, this is one of the most talked-about property documents in Lagos.

The Certificate of Occupancy, often called the “C of O,” is proof that the government officially recognizes someone’s right to occupy a piece of land for 99 years.

If a land has a C of O, it means the land has been titled and recognized by the Lagos State Government.

Not all lands have this document, and that doesn’t always mean it’s illegal—but buying land with a valid C of O is the safest route.

It reduces the risk of future government interference and makes getting loans or building approvals easier. However, it’s important to confirm that the C of O truly belongs to the land you’re buying. Cross-check with the Ministry of Lands to be sure.

The Governor’s Consent

This one often confuses people. If a land already has a C of O and is being sold to someone else, the new buyer must obtain the Governor’s Consent.

Why? Because under Nigerian land law, no land transaction is considered fully legal without the consent of the Governor of the state.

The Governor’s Consent is not a casual formality—it’s a legal requirement. Without it, the sale remains incomplete in the eyes of the law. It’s part of what turns your Deed of Assignment into a fully recognized document.

The Gazette

Now, not all lands in Lagos are initially free from government acquisition. Some are acquired by the government but later released to the original landowners—often communities—through a formal process.

When this happens, the release is published in an official record called a Gazette.

A Gazette shows that the land has been excised, meaning it is no longer under government acquisition and can now be owned and sold legally. If the land you’re planning to buy falls under this category, ask for the Gazette and verify it.

Buying land with a valid Gazette is better than buying land with nothing at all, but still not as solid as a C of O.

The Receipt

Yes, it sounds basic, but the purchase receipt is also important. It shows that money has exchanged hands and helps to track the financial side of the transaction.

It includes the date of purchase, the amount paid, the names of both parties, and the description of the land.

While a receipt alone doesn’t mean you now own land, it complements your other documents—especially the Deed of Assignment.

The Contract of Sale

This is sometimes prepared before the Deed of Assignment. It outlines the agreement between both parties before the land is officially transferred. Think of it as a promise-to-sell document.

It usually spells out payment terms (e.g., installments), timelines, and other conditions of the sale.

It’s useful in cases where payment is staggered over time or where the buyer needs a few months to perfect documents.

However, it is not a substitute for the Deed of Assignment.

Family or Community Consent (if it’s family land)

If you’re buying land from a family or community—which is still common in Lagos—you must get the consent of all principal family members or the land-owning community heads.

This is very important. If just one person signs and others later disagree, your ownership could be challenged.

Many people have found themselves battling “omo onile” (land touts or family claimants) simply because they didn’t get proper family or community consent.

Ensure a family resolution or legal confirmation is obtained.

Government Allocation Letter (for government schemes)

If you’re buying land from a government housing scheme or state-owned development, you’ll receive a Government Allocation Letter. This letter assigns the land to you and states the terms under which you can occupy it.

This letter usually comes before the C of O is issued, and it’s your first legal evidence of land allocation.

It is very common in places like Lekki and other government-developed areas in Lagos.

Conclusion: Don’t Just Buy Land—Buy Peace of Mind

Buying land in Lagos is a serious investment. And while the market is full of promises, it’s also full of pitfalls. Knowing the documents you need to buy land in Lagos can help you avoid heartache and financial loss.

Whether you’re buying land with a C of O, a Gazette, or through a Deed of Assignment, make sure everything is checked, verified, and registered properly.

Don’t just depend on what the seller says. Involve professionals—real estate lawyers, surveyors, and agents who understand Lagos terrain.

Always confirm documents from the Lagos State Land Registry and avoid cash-only deals without paperwork.

The right documents protect your ownership today and into the future.

If you’re ever in doubt, ask questions.

And if you’re serious about doing it right, reach out to someone who knows the Lagos real estate landscape like the back of his hand. Someone like, well… me.

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EFCC boss fingers insider-aided cyber attacks on Nigerian banks

…Bank employees have played a crucial role in granting unauthorized access to hackers operating from countries including the United States and Eastern Europe.

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The Chairman of the Economic and Financial Crimes Commission (EFCC), Barrister Ola Olukoyede, has raised concerns over a wave of sophisticated cyberattacks targeting Nigerian banks, revealing that insiders are collaborating with foreign hackers to siphon off billions of naira.

Olukoyede spoke on TVC News’ Journalists Hangout and disclosed that six commercial banks have been hit by coordinated cyber intrusions involving a syndicate of local and international criminals exploiting internal vulnerability.

He emphasised that compromised bank employees have played a crucial role in granting unauthorized access to hackers operating from countries including the United States and Eastern Europe.

” Once access is gained, the attackers swiftly transfer large sums of money within seconds.

“These are highly coordinated attacks, and insiders play a critical role. In some cases, billions were moved in a matter of moments, but we were able to recover N9.7 billion, N6.7 billion, and N3.7 billion in three separate incidents,” said Olukoyede.

He clarified that while the attacks are severe, the institutions are not to blame. Rather, the breaches stem from the actions of rogue staff.

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