Your circumstances affect the purchase

Tell the lawyer your nationality, residence, proposed ownership and intended use. Ask what rights, restrictions and permissions apply to the particular property. Being a Gambian living abroad and being a non-Gambian purchaser are different circumstances.

An advertised tenure or a general statement about foreign ownership is not enough. Ask for the current legal position to be explained against the documents and site, including any relevant changes.

Give local help a defined role

A family member can help with visits and local knowledge. Decide whether they are simply gathering information or have authority to negotiate, sign or receive money. Have any formal authority prepared and checked for the intended task.

Agree who reports to you and which decisions require your approval. Ask for copies of relevant records directly from the appointed professional, rather than relying only on forwarded assurances.

Verify the property beyond photographs

• Arrange an appropriate site or building inspection and establish who carries it out.
• Match the plan and documents to the actual plot and access.
• Investigate ownership, occupation, restrictions and any competing claim.
• Ask for dated photographs and a clear account of unresolved questions.
• Check practical needs such as water, electricity, drainage, accessibility and management.

Plan payments and ownership together

Agree the purchase currency, transfer arrangements and payment conditions before sending funds. Verify a change of bank details through an established contact method. Keep records showing the purpose and recipient of each payment.

If several relatives or partners contribute, discuss whose names will appear, who controls the property and what happens on a future sale, disagreement or death. Ask for advice relevant to each country involved.

Buying as part of a move?

Match the property decision to the life you are planning. A return to family, a first move to Africa and retirement can involve different housing needs and timetables. Use a trial stay if you need time to choose an area.

Keep a plan for after the purchase

Arrange how the property will be inspected and maintained while you are away. Agree key holding, spending limits, emergency contacts and reporting with any appointed manager. Do not assume that buying land itself settles residence or permission to work.