The problem is not the fees. The problem is many buyers don’t know which ones are actually their responsibility.

Here are five key charges you should understand clearly before closing any land deal.

1. Stamp Duty

This is paid by the purchaser.

It is required to legally stamp your documents after purchase. If you are the buyer, this one is yours.

2. Governor’s Consent Fee

Also paid by the purchaser.

When you are about to register your title and formalize ownership, this fee applies. Without Governor’s Consent, your title is not properly perfected.

3. Ground Rent

This is the seller’s responsibility.

Ground rent is paid by the property owner. If the vendor has not paid it for years, that is not your burden. Do not allow anyone to transfer that obligation to you.

Always ask for evidence of up-to-date ground rent payment.

4. Capital Gains Tax

This is paid by the vendor.

Capital Gains Tax is charged on the profit made from selling the property. It is the seller’s duty.

As a buyer, request proof that it has been settled.

5. Registration Fee

This is paid by the purchaser at the land registry.

It covers the official registration of your title.

Clarity protects your finances.

If you know someone planning to buy land, send this to them.