Canada ↔ Nigeria

Toronto property, from Lagos.

A remote-first route for Nigerian buyers and investors: video tours, non-resident financing, and a closing that does not require a flight.

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A Toronto home from the sample portfolio

The remote route

Six steps, no flight required.

The same sequence as an in-person purchase, with the verification steps made heavier because you are not in the room.

Time zones

Lagos and Toronto, same call

Toronto is five or six hours behind Lagos depending on daylight saving. Calls are scheduled in both calendars so nothing lands at an unreasonable hour.

  1. 01

    Discovery call

    Thirty minutes on WhatsApp or Zoom, timed for Lagos and Abuja (WAT) as well as Toronto (ET). Budget, timeline, and whether this is a home to live in, a rental, or both.

  2. 02

    A shortlist, not a catalogue

    Two or three properties that actually fit, with floor plans, condo status certificates where relevant, and honest notes on what the photos leave out.

  3. 03

    Video walkthroughs

    A scheduled, room-by-room video tour, plus a second call at a different time of day so you see the light, the street and the noise for yourself.

  4. 04

    Verify and finance

    Survey or status-certificate review, a mortgage pre-approval with a lender that works with non-residents, and a written estimate of every closing cost before you commit.

  5. 05

    Offer and deposit

    The offer is prepared with you, conditions are explained in plain language, and the deposit transfer is scheduled around bank cut-off times in both countries.

  6. 06

    Close from abroad

    Inspection, final financing, title transfer and keys. Documents are couriered and sent digitally the same day; a lawyer can act under power of attorney if you prefer not to fly in.

Before the search

Rules, financing and currency.

Three things decide whether a Toronto purchase works from Nigeria: eligibility, lending, and how the money moves. Get them in order before you fall for a property.

Who can buy

The federal rules come first

Canada's prohibition on non-Canadians buying residential property applies in Toronto and is current to 1 January 2027, with limited exceptions for some work-permit holders, students who meet the conditions, and spouses of citizens. Ontario also applies a 25% Non-Resident Speculation Tax in the Greater Golden Horseshoe. Confirm the current rules on canada.ca and ontario.ca before you commit.

Financing

Non-resident mortgages exist

Several Canadian lenders lend to buyers who live abroad, typically asking for a 35% down payment plus proof of income, source of funds and a credit profile. A pre-approval before you make an offer is what keeps the financing condition short.

Currency and timing

Plan the naira-to-dollar move early

Budget for the exchange spread, not just the headline rate, and allow five to ten business days for international wires to clear. A deposit that lands late can cost an offer, so the transfer is scheduled before the offer window closes.

Estimate Ontario and Toronto land transfer tax →

General information for this concept site, not legal, tax or financial advice. Canadian and Ontario rules change; verify the current position with a licensed Canadian lawyer or accountant before committing funds.

Official sources: Canada's foreign buyer ban and Ontario's Non-Resident Speculation Tax.

Where Nigerians buy

Three places to start looking.

Most remote buyers begin with a condo for low maintenance or a family home near good schools. These three sample areas cover both, plus the top of the market.

Liberty Village, Toronto

Toronto, Ontario

Liberty Village

Loft condominiums

Leslieville, Toronto

Toronto, Ontario

Leslieville

Renovated semis

Forest Hill, Toronto

Toronto, Ontario

Forest Hill

Detached estates

Straight answers

The questions that come first.

Short answers to what Nigerian buyers ask before anything else. Nothing here replaces advice from a Canadian lawyer, lender or accountant.

Not freely while Canada's non-Canadian purchase prohibition applies, which currently runs to 1 January 2027. There are limited exceptions, and the rules differ for citizens, permanent residents, work-permit holders and students. This is general information, not legal advice: confirm your situation with a Canadian lawyer before making an offer.
Yes, some Canadian lenders work with non-residents. They usually ask for a larger down payment, commonly 35%, plus proof of income, proof of funds and a credit profile, and they issue a pre-approval before you shop.
No. Video walkthroughs, electronic signatures and a power of attorney for closing are all normal. Many buyers see the property in person only after completion, so the inspection and document review matter more, not less.
Ontario land transfer tax, an additional Toronto municipal land transfer tax, legal fees, title insurance, an inspection and closing adjustments. If the Non-Resident Speculation Tax applies to you, it is charged on top at 25% of the purchase price.
Through your bank, with the documentation your bank requires for an offshore property purchase. Start early, compare the spread rather than only the rate, and keep the transfer receipt: lenders and lawyers will ask for it.
No. This is a concept site built by SLIIQQUE Studio. The agent, brokerage and listings are sample content; the remote-buying process described here is the workflow a real deployment would use.

Remote consult

Start with a conversation.

Tell us where you are, what the budget is in Canadian dollars, and when you want to own. The reply comes back with a shortlist and the questions a lender will ask.

The SLIIQQUE team reads every message and replies within 24 hours.

What happens next

Every enquiry is read and answered by email within 24 hours. If a call is easier, send a WhatsApp number and two windows that suit you in West Africa Time.

Prefer email first? Write to hello@sliiqque.space.

No listing spam. Your details are used only to answer this enquiry; see the Privacy Policy.