URBAN GROVE ESTATES SANGOTEDO · LEKKI · LAGOS
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ATTENTION: LAGOS HOME-BUYERS WHO REFUSE TO GAMBLE THEIR SAVINGS

Stop Risking Your Life Savings On Property Promises.

Own your Lekki home with a bank-controlled payment structure.

A brand-new 3- or 4-bedroom duplex in Sangotedo. Flexible repayment. Your money held in a bank escrow account, backed by a bank-issued refund guarantee. And if you complete an eligible purchase by 31 October 2026, you also get ₦3 million off plus an iPhone 18.

Message us on WhatsApp. See your actual monthly commitment before you decide.
₦20mstarting deposit, over 2 months
48months to repay your balance
18 modelivery target, subject to contract
5units advertised this phase
LET’S BE HONEST

Hope is not a payment structure.

You want to own a home in Lekki. You’re not careless. You’re careful. That’s exactly why the usual off-plan deal bothers you.

Pay a big amount upfront. Send the rest in instalments straight to the developer. Then hope the site is moving. Hope the money is going where they said. Hope the delivery date means something.

And if you keep renting? Another year of rent is another year of building somebody else’s asset.

There’s a better way, and it starts with one question: where does your money sit while your house is being built?

YOUR MONEY. PROTECTED BY STRUCTURE.

The developer doesn’t hold your money. A bank does.

Welcome to Urban Grove Estates Build & Pay. Your money is protected twice: first by a designated bank escrow account, then by a bank-issued Advance Payment Guarantee. And as the developer, we can only draw from escrow against milestones already delivered.

01 You pay into escrow Your payments go into a designated bank escrow account, not the developer’s pocket.
02 We deliver a milestone The developer can only draw on escrow for milestones already delivered. No delivery, no access.
03 Funds are released Funds are released for delivered work only, subject to the escrow terms.
04 You get your home Delivery target: within 18 months, subject to contract.
LAYER 1 · ESCROW
Your funds sit in a bank escrow account, not with the developer This is your first layer of protection. We can only access the escrow based on milestones that have already been delivered, subject to the escrow terms.
LAYER 2 · APG
Advance Payment Guarantee: the bank promises you a refund if the project isn’t delivered The guarantee is issued to you by the bank, not by us. Don’t take our word for it: ask to see the actual bank-issued guarantee and read its conditions before you commit.

Two ways to buy. Only one lets you sleep.

THE USUAL ROUTE Pay the developer directly
Your payments go straight to the developer. Progress is whatever you are told it is. Your protection is trust.
URBAN GROVE BUILD & PAY Pay into a bank-controlled structure
Payments held in a designated bank escrow account. Developer draws funds only against milestones already delivered, subject to escrow terms. A bank-issued guarantee promises you a refund if the project isn’t delivered. Ask to see it.
CHOOSE YOUR HOME & PAYMENT PLAN

Four homes. One smarter way to pay.

3-Bedroom Terrace Duplex
FULLY COMPLETED
Base price₦115m
Initial deposit₦20m over 2 months
Construction stage₦2m × 18 months
Outstanding balanceUp to 48 months
CARCASS · YOU FINISH THE INTERIORS
Base price₦95m
Initial deposit₦20m over 2 months
Construction stage₦1.5m × 18 months
Outstanding balanceUp to 48 months
4-Bedroom Semi-Detached Duplex
FULLY COMPLETED
Base price₦160m
Initial deposit₦30m over 2 months
Construction stage₦2.5m × 20 months
Outstanding balanceUp to 48 months
CARCASS · YOU FINISH THE INTERIORS
Base price₦130m
Initial deposit₦30m over 2 months
Construction stage₦2m × 20 months
Outstanding balanceUp to 48 months
READ THIS BEFORE YOU COMPARE PRICES The prices above are base prices, not necessarily the final amounts payable. Choose a balance repayment period from 1 to 48 months. Your final price and monthly repayments depend on the outstanding balance, the repayment period and the agreed financing charges. Request your personalised payment schedule to see your actual monthly commitment and total purchase price before you decide.

The questions you’re probably asking.

“I can’t pay the full amount upfront. Can I still own one?” That’s the point of Build & Pay. Start with an initial deposit (₦20m for the 3-bedroom, ₦30m for the 4-bedroom) over 2 months, make the construction-stage payments, then repay the outstanding balance over up to 48 months.
“What will I actually pay in total?” The listed prices are base prices. Your final price depends on your outstanding balance, repayment period and the agreed financing charges. Ask for your personalised payment schedule and you’ll see the real monthly figure and total before you decide.
“What if the project isn’t delivered?” That’s what the second layer is for. The Advance Payment Guarantee is issued to you by the bank and promises a refund if the project isn’t delivered, per its terms. And because we can only draw on escrow against milestones already delivered, your money isn’t released ahead of the work.
“How do I know the escrow and guarantee are real?” Good question. Ask for the documents. Review the escrow terms and the bank-issued Advance Payment Guarantee with its conditions, and inspect the site before you pay anything.
“Completed or carcass: which one?” Completed homes are finished. Carcass homes carry a lower base price and you complete the interior finishing yourself. Pick the one that fits your budget and your plans.
OCTOBER CELEBRATION OFFER ₦3M OFF + an iPhone 18
Complete an eligible purchase by 31 October 2026 to qualify. After that, it’s gone. Subject to the written promotional terms. CLAIM THE OFFER →
DON’T TRUST US. VERIFY US.

Three things to do before you pay a kobo.

Get your payment schedule See your actual monthly commitment and total purchase price in writing.
Book a private inspection Walk the estate in Sangotedo and see it with your own eyes.
Read the paperwork Escrow terms, the bank-issued APG, and the promotional terms. Read all three.

Anyone who tells you not to read the paperwork isn’t selling you a home.

ONLY 5 UNITS ADVERTISED FOR THIS PHASE

Your home. Your asset. Your future.

Message us on WhatsApp now. We’ll confirm availability, send your personalised payment plan and book your private inspection of Urban Grove Estates in Sangotedo.

business@urbangroveestates.com

P.S. The ₦3 million discount and the iPhone 18 end on 31 October 2026, and only 5 units are advertised for this phase. Confirm what’s still available before it’s allocated.

P.P.S. Still unsure? Good. Ask for the escrow terms and the bank-issued guarantee, and inspect the site first. A serious home is bought with your eyes open.