Buying land or a home is exciting, but a missed document can turn into years of trouble. Before paying any advance, make sure these basics are covered.

Documents to check

• Title deed and the full chain of previous ownership
• Record of Rights (RoR) in the seller's name
• Encumbrance details - no loans or legal claims on the property
• Approved plan for buildings and flats
• Latest tax and utility receipts

On-site checks

• Boundaries match the documents
• Road access and actual width
• No encroachment or disputes with neighbours

Verify the seller

Confirm that the person selling is the genuine owner, and that all co-owners or legal heirs agree to the sale.

Get a legal opinion

A title search and legal opinion from a practising advocate is a small cost compared to the value of the property. Our Property & Legal team can coordinate verification and documentation for you.

Never pay an advance on the basis of someone's word alone - verify first.