For co-owners

Co-own property across Nigeria's major cities — backed by governance infrastructure that protects what you put in.

TitleShield is not an easier way to buy property. It is a more trusted way to co-own it — with professional credentials, legal structure, and continuous oversight that informal arrangements cannot provide.

Who TitleShield is designed for

Three types of co-owner. One governance standard.

Nigerian Professional

The Abuja or Lagos Professional

Earning ₦5M–₦30M per year. You want property wealth but cannot afford to buy alone. You've used Piggyvest or Cowrywise. You're sceptical of "platform" claims after Nigeria's history of investment scheme failures. You need to see the professional credentials before you trust anyone with your money.

What TitleShield gives you: An MKC-certified due diligence framework, a registered SPV structure, and an independently monitored escrow account — all documented and auditable.

Diaspora Investor

The Diaspora Co-Owner

Based in the UK, US, Canada, UAE, or Germany. You send money home and have considered property for years. Your core question is: "How do I know what I'm buying is real, and who is watching it once I've bought?" You cannot afford the time to fly back for inspections.

What TitleShield gives you: Remote KYC, filmed video walkthroughs uploaded before marketing, a CBN-compliant FX guide, and monthly governance reporting — all accessible remotely.

High-Net-Worth Individual

The HNI Co-Owner

Already a property owner with ₦50M+ capacity. You want institutional-quality governance for co-ownership arrangements — not informal arrangements on trust. You may know Mary Kolo through the NIESV network. You understand that governance is the product.

What TitleShield gives you: Professional-grade documentation, annual independent valuations, and a structured governance framework equivalent to institutional property management.

Co-ownership structures

Four types of co-ownership. One governance standard.

Every TitleShield SPV is one of four types. The type is declared at formation and cannot change.

TitleShield Ready

Full-Payment Co-Owners

Fully built, MKC-certified, immediately governable. Standard co-ownership process — contribute in full, acquire, govern, and earn from day one.

Full payment | Immediate acquisition

TitleShield Build

Off-Plan & Development

Co-own a property still under construction. Funds held in your SPV and released to the developer only after MKC verifies each construction milestone is complete.

Tranche releases | Milestone-verified

Requires reading the Off-Plan Risk Disclosure (TSH-P12)

TitleShield Flex

Instalment Co-Owners

For salary earners, ajo contributors, and investors receiving funds in tranches. Reserve your slot with a 30% deposit. Complete payment over an agreed schedule up to 18 months.

30% deposit | Up to 18 months

Available on selected Ready and Build deals

TitleShield Retrofit

Existing Co-Ownership Groups

Already co-own a property with partners but your arrangement is informal? TitleShield Retrofit brings professional governance to existing co-ownerships — audit, formalise, and protect what you have already built.

Audit first | Governance retrofitted

Subject to MKC Retrofit Assessment — eligibility confirmed before onboarding

TitleShield Flex is designed for: salary earners building wealth monthly | ajo and cooperative group members | professionals receiving funds in tranches | mortgage and loan recipients building equity

What co-ownership gives you

What you get as a TitleShield co-owner

MKC-certified Due Diligence Certificate for your property — certified by Mary Kolo Consulting, publicly verified

Legal shareholding in a CAC-registered SPV — documented in the register of members

Co-ownership funds held in a dedicated SPV escrow account — TitleShield has no access

Monthly AI governance monitoring of your SPV by SOMA

Quarterly rental income distribution statements (verified, not just asserted)

Annual independent valuation of your property by MKC to NIESV standards

Three pre-agreed exit pathways documented in your Shareholder Agreement

Full document vault access — all SPV documents, meeting minutes, and reports

What we ask of you

What TitleShield requires from co-owners

We ask for honesty, because our AML framework requires it:

Full KYC: government-issued ID, proof of address, source of funds declaration

SCUML screening — mandatory for all co-owners

Compliance with co-owner voting obligations in your Shareholder Agreement

No undisclosed third-party interests in your shareholding

Use of CBN-approved channels for all fund transfers (diaspora co-owners)

Important Risk Notice

Property co-ownership carries financial risk, including the risk of losing the amount you contribute. Past performance of property values is not a reliable indicator of future performance. Read our full Risk Disclosure before making any decision.

Transparent pricing

Fee structure — published, not hidden

We believe transparency is the foundation of trust. These are our standard fees.

Fee	Amount	When charged	Who receives it
Platform governance fee	[PLACEHOLDER]% p.a.	Quarterly, from SPV	TitleShield
Due Diligence Certificate fee	[PLACEHOLDER]	Once, at listing	Mary Kolo Consulting (MKC)
Property management fee	[PLACEHOLDER]% of gross rent	Monthly, from rental income	Maryland Real Estate Services & Facilities Management Company Ltd (Maryland RSFM)
Annual valuation fee	[PLACEHOLDER]	Annually, from SPV	Mary Kolo Consulting (MKC)
SPV formation fee	[PLACEHOLDER]	Once, at deal closure	TitleShield (legal costs)
Exit transfer fee	[PLACEHOLDER]% of transfer value	On secondary market transfer	TitleShield

[PLACEHOLDER: Confirmed fee schedule will be published before the first deals are listed. All fees are disclosed in each deal's co-ownership information document.]

Staggered payment option

Flexible Payment — TitleShield Flex

Not everyone has access to their full co-ownership contribution at once. TitleShield Flex is built for investors who receive funds in stages — whether from a monthly salary, an ajo group, a mortgage drawdown, or a business payment schedule.

How it works:

Reserve your slot with a 30% deposit

Your slot is held and documented. No one else can take it while you're paying.

Pay the balance over up to 18 months

In agreed instalments that fit your income schedule. Monthly, bi-monthly, or quarterly.

Full Shareholder Agreement activates

When all payments are confirmed, your full governance rights activate.

Property acquired when all investors complete

No property is acquired until all investors in the Flex SPV have completed full payment — protecting everyone equally.

Who this is for:

Salary earners contributing monthly from income

Ajo/esusu/cooperative group members pooling contributions

Professionals expecting payment from a contract or project

Mortgage or loan recipients disbursing in stages

What you get during the payment period:

Slot reservation confirmed and documented

Access to TitleShield Circle community

Deal updates and construction reports (for Build deals)

Refund of payments minus deposit if you cannot complete (default terms apply — see TSH-L11)

Minimum slot for Flex: ₦5,000,000 | Minimum deposit: 30% | Maximum period: 18 months

Your journey

From community to co-owner: the timeline

Join the Community

Submit your interest, capacity, and contact details. You'll receive priority access to the first listed properties.

Create Your Verified Account (5 minutes)

Complete KYC on the platform. Identity, address, source of funds. Most approvals within 24–48 hours.

Browse Certified Properties

View full DD Certificates, scenario analyses, SPV terms, and deal economics for all listed properties. All information is available before you commit.

Subscribe to a Deal

Express interest in specific slots. Once the deal is fully subscribed, SPV formation begins.

Sign Shareholder Agreement

Execute the governing document. Your rights, obligations, and exit pathways are all defined here.

You are a Co-Owner

SPV is registered at CAC. Escrow account is opened. Your Welcome Pack is delivered with all documentation. Governance begins immediately.

Common questions

Investor FAQ

Is this an investment platform? Am I buying a financial product?

No. TitleShield is a property governance platform. You are co-owning physical property through a registered SPV — not purchasing financial securities, units in a fund, or any regulated financial product. You are a shareholder in a property-owning company, entitled to your pro-rata share of rental income and any future proceeds from the property.

Can I see the Due Diligence Certificate before I subscribe?

Yes. The DD Certificate and summary are available to all Verified Members for any active deal. This is non-negotiable — we do not ask you to commit to any deal without first seeing the professional assessment of the property. Full KYC is required to access deal-specific documents.

What if the rental income is less than the scenario projected?

Scenario analyses are based on current market rates — they are not guarantees. If actual rental income is lower, your distribution will be lower. This is the nature of property co-ownership. TitleShield's role is to ensure the governance is sound — the income is distributed honestly, the costs are deducted transparently, and you receive accurate statements. We do not guarantee any level of income.

How do I receive my share of rental income?

Quarterly distributions are paid directly from the SPV's escrow account to your designated bank account (Nigerian account, or CBN-compliant international transfer for diaspora co-owners). Each distribution is accompanied by a formal Distribution Statement showing gross rent received, costs deducted, and net amount distributed to each co-owner.

What if another co-owner wants to do something I disagree with?

Your Shareholder Agreement defines voting thresholds for all major decisions. Routine management decisions are delegated to Maryland RS within pre-agreed parameters. Major decisions (renovations above a threshold, early sale, change of property manager) require co-owner voting at defined supermajority thresholds. No single co-owner or manager can act unilaterally on major matters.

I am already in an informal property co-ownership. Can TitleShield help us?

Yes — this is exactly what TitleShield Retrofit is designed for. If your group already owns a property but your arrangement is informal (WhatsApp agreement, verbal understanding, or a basic document), TitleShield Retrofit audits what you have, identifies what needs to be formalised, and installs a proper governance framework. The first step is submitting a Retrofit Assessment Form so MKC can evaluate your specific situation. Not every existing arrangement can be retrofitted — eligibility is confirmed after the assessment.

Can Ready investors and Flex (instalment) investors be in the same SPV?

No — and this is a deliberate protection for both groups. Ready investors have committed their full funds and should not wait indefinitely for instalment investors to complete payment. Flex investors benefit from being with co-owners on the same payment timeline without pressure from fully-paid members. TitleShield Ready SPVs contain only full-payment investors. TitleShield Flex SPVs contain only instalment investors. Both types operate under identical governance standards — the only difference is the payment structure and acquisition timing.

Scenario analysis

Co-ownership scenario calculator

Model different rental income scenarios for a co-ownership deal — including vacancy periods, management costs, and potential distributions over time.

Available to Verified Members

Full deal scenario analysis tools are available on the platform for KYC-verified members. It takes 5 minutes to create a verified account.

Join the Community for Early Access

Co-ownership with credentials behind it.

Join the community to access the first certified co-ownership deals when they launch.

Join the Community How It Works