Buying property in Zimbabwe: the steps and documents to check

Buying property is one of the largest financial decisions most people make. A clear process protects your money and helps the transaction move smoothly. This guide explains the usual steps for buying a house, stand or land in Zimbabwe. It is general information; your conveyancer will advise on your specific transaction.

1. Set your brief and budget Decide on the areas, property type, size and features you need, and your total budget. Remember that the purchase price is not the only cost. Allow for transfer costs such as conveyancing fees and government duties, and for any repairs or improvements. Ask your conveyancer for an estimate of transfer costs before you make an offer.

2. View properties and ask questions Visit more than once if you can, at different times of day. Check access roads, water supply, power, security and neighbouring developments. Ask whether the property is tenanted, whether there are outstanding rates or utility accounts, and whether the buildings have approved plans.

3. Check who owns the property A title deed shows who the registered owner is. Before you commit, your conveyancer can carry out a search at the Deeds Office to confirm ownership and whether there is a mortgage bond or other restriction registered against the title. Be cautious if the seller cannot produce title or is not the registered owner, and never rely on photocopies alone.

4. Make a written offer Once you have chosen a property, your offer should be in writing and state the price, deposit, how the balance will be paid, the proposed occupation date and any conditions. Conditions may include obtaining finance or satisfactory inspection results. The seller may accept, reject or counter-offer.

5. Sign the agreement of sale When terms are agreed, a conveyancer prepares the agreement of sale. Read it carefully and ask questions before signing. The agreement records the price, payment terms, occupation, who pays which costs and what happens if either party does not perform.

6. Pay through the conveyancer Pay deposits and purchase funds only as the agreement of sale sets out, normally into the conveyancer's trust account. Do not pay money into a personal account or to anyone who contacts you with changed banking details. Confirm banking details by phone with the conveyancer's office before any transfer.

7. Transfer and registration The conveyancer attends to the clearances and duties required and lodges the transfer at the Deeds Office. The property becomes yours when the transfer is registered in your name. Timing depends on documents, clearances and the Deeds Office, so ask your conveyancer for a realistic estimate.

How DC Realtors helps buyers We shortlist suitable properties, arrange viewings, present your offer, negotiate terms and coordinate with the conveyancers until transfer. Register your requirements and we will contact you when a matching property becomes available.