My First Property Investment
A plot in Oyarifa, a chief's signature, a second claimant and two years in the Lands Commission. The education that started my property career.
The Situation
At 29 I bought a plot in Oyarifa from a family who showed me an allocation note from the chief and a site plan. The price was good. Several friends had bought nearby. I paid in full and started building a fence.
The Decision
I had not done a search at the Lands Commission. I had not verified that the family selling had authority to sell. I relied on the fact that others had bought in the same area, and on a document that looked official.
What Happened
Six weeks after the fence went up, a second party arrived with their own allocation note and a court injunction. It took two years, a lawyer and a substantial additional payment to the rightful owner to secure title. I nearly lost the land entirely.
What I Learned
In Ghanaian property, the document is the beginning of due diligence, not the end. Title is established through searches, indentures, and verification of the seller's authority - every time, regardless of how many friends have bought nearby.
What I'd Do Differently
Before paying anything: conduct an official search at the Lands Commission, engage a lawyer to verify the chain of ownership and the seller's authority, visit the site at different times and speak to neighbours, and never pay the full price before the indenture is executed and registration is underway.
Key lessons
- 1.Do the Lands Commission search before you pay anything.
- 2.Verify the seller's authority, not just the document.
- 3.Neighbours know things documents do not.
This content shares personal experience for educational purposes. It is not personalised financial, legal or medical advice. Experts are not necessarily licensed to advise on your specific situation; consult a qualified professional before acting.