Capital · Real Estate
The keys, on your terms.
Home purchase, refinancing and investment property mortgages — professionally structured and coordinated with our real estate division.
The Service
Residential and investment mortgages structured with clarity — from consultation to approval to handover, coordinated with The Apartment Pro.
Buying a home is the largest financial decision most families make. The Negotiator Capital exists to make that decision structured, transparent and dignified — from the first conversation about affordability to the day you receive the keys.
We facilitate residential mortgages for owner-occupiers, refinancing for existing homeowners, and investment property financing for those building a portfolio. Our advisors work with a network of commercial banks, primary mortgage banks and non-interest finance institutions to source terms that match your income profile, tenor preferences and long-term financial plan.
Because The Apartment Pro operates within the same group, we can align property selection, valuation and legal due diligence with the mortgage timeline — eliminating the gaps that usually derail Nigerian home purchases.
Who it's for
Built for those who value clarity.
- First-time homebuyers
- Upgrading homeowners
- Diaspora clients acquiring property in Nigeria
- Investment property buyers
- Homeowners seeking to refinance existing facilities
Eligibility
What we typically require.
- Verifiable income (salary or business)
- Minimum contribution of 20–30% of purchase price (varies by partner)
- Valid identification, BVN and tax history
- Six to twelve months of bank statements
- Property with clear, verifiable title
Final terms vary by partner institution and applicant profile.
Benefits
Why clients choose this route.
- 01
Affordability first
We start from what you can sustainably afford, not what you can technically borrow.
- 02
Multiple partner options
Access to commercial and primary mortgage banks, plus non-interest structures where suitable.
- 03
Integrated with real estate
Coordinated with The Apartment Pro for property selection, valuation and legal review.
- 04
Refinancing
Restructure existing mortgages to improve terms or unlock equity.
- 05
Diaspora-friendly
Documentation and communication designed for clients based abroad.
How it works
A disciplined process, end to end.
- 01
Affordability consultation
We review income, obligations and goals to establish a realistic price range.
- 02
Pre-qualification
Indicative offers from partner institutions before you commit to a property.
- 03
Property alignment
Selection, valuation and legal due diligence — coordinated with The Apartment Pro.
- 04
Formal application
Full documentation, credit review and offer negotiation on your behalf.
- 05
Approval & handover
Facility drawdown, perfection of title and keys in hand.
Why The Negotiator Capital
Capital, negotiated on your side.
- 01
One group, full stack
Property, finance and relocation coordinated under one roof.
- 02
Honest affordability advice
We will tell you when a purchase is not the right decision yet.
- 03
Timeline discipline
Aligned property and finance timelines to prevent lost deposits.
Questions
Frequently asked.
Straight answers, no small print.
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Consultation
Speak with a Mortgage advisor.
Share a few details and a Negotiator Capital advisor will reach out within one business day.
Ready when you are