Unfurnished Property in Nigeria

Wow! simply breathtaking!! home away from home!!! have you visited our newly built guest house, a house with a difference in the coolest part of lkeja for short & long stay? exotic rooms all fitted with kitchens and bathroom. come & feel our unique hospitality cos your joy is our priority. facilities include: 1. uninterrupted power & water supply 2. maximum security with cctvs and street gates 3. smart tv, netflix and free 24 hours wifi services 4. a serene environment for your morning jogging & exercise routine 5. very accessible to three major banks, several eateries, spar supermarkets, shops at 5 minutes walking distance & 5 minutes drive to ikeja city mall 6. a 15 minutes drive to local/international airports 7. car hire services available 8. variety of meals available on order (special moi-moi, grilled turkey, fish, chicken e...

Wow! simply breathtaking!! home away from home!!! a beautiful fully furnished party apartment with deep freezer and extra fridge for your event, parties, seminar, get-together. the hall has a capacity for 50 people. facilities include: 1. uninterrupted power & water supply 2. maximum security with cctvs and street gates 3. smart tv, netflix and free 24 hours wifi services 4. a serene environment for your morning jogging & exercise routine 5. very accessible to three major banks, several eateries, spar supermarkets, shops at 5 minutes walking distance & 5 minutes drive to ikeja city mall 6. a 15 minutes drive to local/international airports 7. car hire services available 8. variety of meals available on order (special moi-moi, grilled turkey, fish, chicken e...

Spacious selfcon apartment private kitchen rent: 2.2m agency fee: 10% legal fee: 10% caution fee: 10% service charge: 300k 24hrs power supply estate, call to enter. personal prepared meter, recharge by urself. location: salem ikate.. le...

*s direct brief* *letting* *newly built 4 bedroom flat no bq* (24hrs serviced) *(available)* features: gym pool ample parking space location: banana island road, ikoyi rent: 40m service charge: 2.5m (covers all common areas excluding power) legal: 10% agency: 10% caution:tbd phcn: prepaid diesel deposit:...

Super and executive room self contained for 900k asking, with screeded room, prepaid meter, good proximity to b/stop etc all going for 900k on ojuelegba/lawanson r...

For sale- watch video above urgent sale --- plot with 4 × 2‑bedroom flats + shop --- adeshina street / ekoro road, abule egba c of o --- ₦65,000,000 price & title - asking price: ₦65,000,000 (sixty‑five million naira) - title: certificate of occupancy (c of o) --- originals available for verification location & availability - location: adeshina street, off ekoro road, abule egba --- high‑demand lagos mainland neighbourhood with excellent local amenities and transport links. - availability: immediate sale. viewing by appointment. property overview a ready income asset and prime value buy: a plot of land on a level, linted surface within a secure compound, currently improved with four (4) well‑proportioned 2‑bedroom flats and one shop. the property is fenced with a secure gate and offers immediate rental income potential or short‑term refurbishment upside for capital appreciation. key features - residential units: 4 × 2‑bedroom self‑contained flats --- ideal for family tenants, young professionals or small households - commercial unit: 1 shop with direct street access --- provides diversified rental income and high visibility - compound: fully fenced with gated access --- secure private compound for tenants and visitors - plot condition: levelled and linted (paved) forecourt and pathways --- low maintenance and ready for occupation - title: clean certificate of occupancy (c of o) --- transferable and bankable investment appeal - immediate cashflow: multiple rental streams from four flats plus the shop --- excellent for buy‑to‑let investors seeking steady income. - low entry price for abule egba market --- attractive value for investors, landlords and hnw buyers. - flexible use: retain as multi‑unit rental, occupy one unit and rent the rest, or reposition/refurbish to increase rents and capital value. - good tenant catchment: location near transport, markets and services supports high occupancy rates. practical details - exact plot dimensions and unit floorplans available on request and during inspection. - utilities & services: mains electricity and water connections in place (prospective buyers to verify capacities during inspection). - condition: units habitable; buyers may refurbish to lift rental rate if desired. documents & due diligence - title pack: c of o available for verification. - recommended checks: land registry/title search, boundary confirmation on site, structural/condition inspection of units, and tenancy audit if currently tenanted. originals will be shown to qualified buyers. viewing & sale process - viewings strictly by appointment. qualified buyers should be prepared to provide proof of funds or a bank reference to schedule inspection and receive full documentation. - sale process: submit formal offer agree heads of terms deposit legal conveyancing and transfer. buyers are advised to instruct legal counsel to manage title verification and completion. final note this is a high‑value, low‑risk income property in a sought‑after abule egba location priced for a quick sale. ideal for investors seeking immediate yield or owner‑occupiers wanting a versatile compound with commercial upside. serious buyers only --- ready to close. ref: sa...

For sale prime release --- 20 plots (double cornerpiece) in abijo gra scheme, lekki 930 sqm per plot - c of o --- ₦80,000,000 per plot overview rare opportunity to acquire a large, fully fenced and gated landholding within the abijo gra scheme, lekki --- 20 generous plots ideal for a premium mini‑estate or phased plot development. each plot measures 930 sqm. the parcel includes a double cornerpiece position, ready for immediate development with clean certificate of occupancy (c of o) title. quick facts - total plots: 20 - plot size: 930 sqm each - total land area: 20 × 930 sqm = 18,600 sqm (1.86 hectares) - title: certificate of occupancy (c of o) --- originals available for verification - site condition: fully fenced with main gate (secure compound) - asking price: ₦80,000,000 per plot (eighty million naira) --- individual plots or bulk purchase considered - total asking (20 plots): ₦1,600,000,000 location advantages - abijo gra scheme, lekki --- premium, fast‑growing residential corridor with strong demand for serviced plots and gated communities. - convenient access to lekki‑epe expressway and expanding infrastructure corridors. - proximity to planned and existing amenities: schools, retail hubs, healthcare, and transport links that support residential development. why this opportunity is attractive - scale & flexibility: 20 contiguous plots provide meaningful development scale --- ideal for a mini‑estate, phased townhouse or villa project, serviced plot offering or a gated residential community. - double cornerpiece: enhanced design flexibility, superior road frontage, improved accessibility and curb appeal for entrance/amenity positioning. - ready to develop: fenced site with gate reduces mobilisation time and security overhead at construction start. - clean, bankable title (c of o) simplifies financing and conveyancing for institutional or developer buyers. - strong market: lekki corridor continues to attract owner‑occupiers and investors seeking premium, low‑density residential product. suggested uses - serviced plots / estate lots for sale to owner‑occupiers - boutique gated mini‑estate of villas/duplexes or townhouses - luxury detached homes or cluster housing with estate amenities - mixed residential with amenity nodes (playgrounds, clubhouse, pool) to maximise value commercial considerations - bulk acquisition allows developer pricing, unified infrastructure delivery and stronger margins versus individual plot flips. - phased delivery strategy recommended: develop and sell in tranches to fund later phases and accelerate returns. - estate amenities and perimeter security will command premium sales prices per plot in this location. documentation & verification - title: certificate of occupancy (c of o) --- full title pack available to qualified buyers under nda. - survey & site plans: detailed survey plan and plot layout available for inspection. - site status: fenced and gated --- physical inspection recommended to verify boundaries and access. due diligence checklist (recommended) - confirm c of o and chain of title with land registry. - inspect survey plan and boundary markers on site. - assess utilities & trunk infrastructure availability (power, water, drainage, road access). - commission basic topographical and geotechnical checks for initial cost planning. - review local planning restrictions, setbacks and permitted density with lagos planning authorities. buyer profile sought - residential developers and promoters seeking medium‑scale estate sites. - investors and syndicates looking to acquire a contiguous landbank in lekki. - high‑net‑worth individuals or family offices wanting to build a private compound or subdivide for resale. transaction process & next steps 1. submit expression of interest (eoi) with proof of funds or a bank reference. 2. sign an nda to receive the full data pack (c of o, survey, site photos and layout). 3. arrange site visit and technical walkthrough with advisers. 4. negotiate terms (individual plots or bulk acquisition), agree heads of terms and deposit to reserve plots. 5. proceed to legal conveyancing and transfer. opportunity note this is a rare, large‑scale, development‑ready land release in abijo gra. the combination of plot size (930 sqm), double cornerpiece frontage and fenced, gated site creates a highly marketable platform for premium housing and estate development. serious developers and investors are encouraged to act quickly. for access to the full dossier and to arrange a site inspection, submit proof of funds and request the nda to receive package details. ref: d...

For sale in ikoyi description: 500sqm partitioned plot at queens drive ikoyi (front plot) title: fed c of o price: ₦...

Newly built 2bedroom first floor for rent. ikate fully en-suite rent: 7m furnished: 12m agency: 10% agreement: 10% caution: 10% diesel 1.4m service charge 1...

*apartment for rent* *2 bedroom apartment with bq fully finished for rent. *location:*, gbangbala, ikate lekki. *facilities includes;* 1. elevator, 2. intercom system, 3. rooftop gym 4. cctv surveillance, 24hrs 5. concierge service 6. wifi 7. air conditioner 8. waste disposal terminal 9. parking space. agency:10% legal is 10% caution fee - 1m service charge: 2.6m rent: 16milli...

For sale luxury 3bedroom apartment with bq karasana abuja price: 120m naira professional fees...

Description: 4 blocks of 6 units 3 bedroom flat (front and rear side) plus a room bq. the property needs major renovation and major finishing. location: ajao estate, airport, lagos rent: 50 million for the 4 blocks (12.5 million per block) features: 24 flats plus bq in total spacious compound serene and secure environment/estate note: hospitality or hospital operations is not allowed ideal uses: single corporate tenant, staff quarters conditions: letting as is a corporate tenant to take all 4 blocks or a single block and can conside...

Land for lease -- inside nigeria railway compound, yaba, lagos prime location secure compound strategic investment opportunity. a spacious parcel of land is now available for 50 years lease (with automatic renewal) inside the nigeria railway compound, yaba --- one of lagos' most strategic and rapidly developing areas. location highlights inside the secure nigeria railway compound, yaba direct access to herbert macaulay way and yaba bus/train terminals close to university of lagos, yaba tech, and tejuosho market ideal for commercial, residential, or institutional projects property details land size: 530 square metres (per plot) price: ₦160 million per plot tenure: 50-year lease with automatic renewal title: federal title/ leasehold land type: bare, dry, and ready for development zoning: mixed-use --- perfect for estate, hostel, mall, tech hub, or warehouse why you should buy this property located in a fast-appreciating corridor of mainland lagos backed by a government institution (railway authority) secure, gated environment with existing infrastructure excellent roi for long-term developers and investors price offer: ₦160 million per plot 530 sqm total size: 1,060 sqm for the 2 plots. contact: 0802 477 2756 0903 113 4440 smart investors know yaba is the next tech and business hub of lagos --- secure your space now before prices so...

*description*: *fully furnished 2 bedroom maisonette with bq* features:-_fully furnished, equipped gym, serene environment with lovely gardens, fitted kitchen, air conditioners in all rooms, water treatment system, ample parking space, central location_.. _and so much more_ location:- *parkview estate, ikoyi, lagos* rent:- *n15m* agency fee:10% legal fee:10% caution fee:10% service charge:- *n6m* _(includes diesel)_ gou.r...

For sale four-bedroom terraced house with bq it comes with en-suite facilities, wardrobes\walk-in closets, a w contemporary kitchen, a one-bedroom boys' quarter, two living rooms, a dining area location: jahi abuja price 300m naira professional fees...

**premium bae* : 3bed water front with swiming pool* and *ps5, gym* *opened* *victoria island* caution fee- n1...

For sale turnkey tank farm for sale --- dockyard apapa, lagos 30 million litre capacity - 10 fire‑proof tanks - c of o --- ₦20,000,000,000 asking price & commission - price: ₦20,000,000,000 (twenty billion naira) --- outright sale by owner - commission: 5% payable (as stated) location & site - location: dockyard / apapa, lagos --- strategic port‑side logistics corridor with immediate access to maritime, road and distribution networks. - site area: built on 2.5 acres (site plan and survey available on request) asset summary - total storage capacity: 30,000,000 litres - number of storage tanks: 10 (all tanks are fire‑proof) - loading bays: 6 dedicated loading bays for simultaneous uplift operations - products stored (interchangeable): pms (premium motor spirit), ago (diesel), dpk (dual purpose kerosene) --- tank configuration can be adapted to store alternative petroleum products where permitted - operational status: functional (operational condition and inventory/earnings history to be supplied to qualified purchasers) key investment highlights - prime logistics position: dockyard apapa location offers exceptional proximity to import/export terminals, major road arteries, and distribution channels --- ideal for oil marketers, logistics operators and industrial end‑users. - large scale, ready capacity: 30m litre capacity and multiple loading bays support high throughput and immediate revenue generation. - fire‑proof infrastructure: tanks and installations designed with fire safety in mind --- important risk mitigation for downstream operations. - strategic buyer appeal: attractive to established oil marketers, 3pls, logistics funds, strategic corporates and institutional investors seeking operational downstream assets. technical & operational features (indicative) - tank specifications: 10 fire‑rated storage tanks (detailed tank data, bunding capacity, lining and cathodic protection records available on request) - loading & dispatch: 6 loading bays with vehicle marshalling and product segregation arrangement (details in technical pack) - ancillary plant: pumping systems, meters, valves and control infrastructure (equipment lists and maintenance logs available on request) - safety systems: installed fire suppression / firefighting provisions and site safety equipment (certificates to be provided in data room) - utilities & services: fuel handling infrastructure, onsite power arrangements and access for tank truck and logistics operations title & documentation - title: certificate of occupancy (c of o) --- registered at lagos state lands registry. original title available for verification. - documentation: technical and legal data room available for qualified buyers, including site survey, as‑built drawings, equipment inventory, maintenance records and any operational permits held (subject to nda and seller confirmation). regulatory & compliance notes - transfer of ownership and operational licences will require standard regulatory approvals and compliance checks (nuprc, local environmental and fire authority clearances, health & safety audits). seller will cooperate with buyer due diligence and statutory transfer processes. - prospective buyers should budget for regulatory application times and any required remedial or upgrade works discovered during technical due diligence. ideal buyer profile - licensed oil marketing companies and fuel distributors seeking strategic storage and loading capacity near apapa port. - logistics & supply‑chain operators, third‑party logistics (3pl) firms and petroleum logistics specialists. - institutional investors, energy funds and conglomerates seeking operational downstream assets with immediate scale. due diligence & sale process (indicative) 1. expression of interest (eoi) --- submit brief buyer profile and finance credentials. 2. proof of financial capacity --- buyer must provide bank guarantee or comfort letter (required before meeting the seller). 3. nda & data room access --- qualified buyers receive full technical, legal and operational documentation. 4. site inspection and technical walk‑through (arranged for qualified parties). 5. submission of indicative offer and negotiation of commercial terms. 6. legal & technical due diligence, heads of terms and deposit. 7. completion by sale & purchase agreement and transfer of title & operational licences as applicable. important requirement - seller requires evidence of financial capability: prospective buyers must present a bank guarantee or an acceptable comfort letter prior to direct engagement with the owner and site inspection. confidentiality & contact protocol - this is a confidential direct sale. full documentation and site access will be provided to seriously qualified buyers after submission of the required financial evidence and a signed nda. agent/mandate introductions and viewings will be coordinated on receipt of pre‑qualification. disclaimer information provided is intended as an accurate summary of the opportunity. all particulars are subject to verification. prospective buyers must conduct independent legal, technical and financial due diligence and obtain any necessary regulatory approvals. price, availability and particulars may change without notice. ref: d...

For sale- watch video above 2 × 2‑bedroom flats on full plot --- secured estate, facing captain david road, ayobo‑ipaja ₦70,000,000 (c of o) price & title - asking price: ₦70,000,000 (seventy million naira) - title: certificate of occupancy (c of o) --- originals available for verification short teaser two well‑appointed 2‑bedroom flats on a full plot inside a secure estate facing captain david road, ayobo‑ipaja. ideal plug‑and‑play investment or owner‑occupier opportunity --- immediate rental yield or ready for occupation. property overview a tidy, income‑ready twin‑unit residential asset comprising two self‑contained 2‑bedroom flats sited on a full plot within a gated, secure estate. the property offers practical layouts, secure compound parking and excellent frontage on captain david road --- a high‑visibility, accessible location in ayobo‑ipaja. clean c of o title ensures a straightforward transaction for buyers and investors. key features - two self‑contained 2‑bedroom flats (each unit: living/dining, kitchen, 2 bedrooms, bathroom) - full plot providing private compound space, secure parking and scope for landscaping or minor extensions - located inside a secured estate with controlled access and neighbourhood management - direct frontage facing captain david road --- good accessibility and visibility - condition: habitable / ready for occupation or immediate letting (inspections recommended to confirm finishes) - ideal for owner‑occupiers who wish to occupy one unit and rent the other, or investors seeking steady rental income investment appeal - attractive entry price for a full‑plot, dual‑unit asset with c of o in ayobo‑ipaja --- strong local rental demand for 2‑bed family units. - low management complexity: single‑lot multi‑unit asset simplifies administration and delivers aggregated rental yield. - flexibility: hold as a rental, occupy one unit and let the other, or refurbish to increase rental value and capital appreciation. practical details & utilities - utilities: mains power and water connection to be confirmed on inspection. provision for water storage and inverter/backup recommended. - parking: private compound parking for residents and guests. - documents: c of o available for verification; survey plan and any further paperwork available to qualified buyers. viewing & sale process - viewings by appointment only for qualified buyers. proof of funds or bank reference will be requested to schedule inspections and release full documents. - sale process: submit formal offer agree heads of terms deposit legal conveyancing and transfer. buyers are advised to instruct legal counsel for title verification and completion. due diligence & recommended checks - legal: verify c of o and chain of title at the land registry. - technical: on‑site inspection to confirm unit condition, utility connections and compound boundaries. - commercial: tenancy audit (if tenanted) and review of rental income records where applicable. final note ready, secure and well‑located --- this twin‑unit on full plot offers immediate utility as a family home and a compact investment platform with clear upside through professional management or minor upgrades. serious buyers and investors welcome. all detailed documentation and commercial discussions will be provided on a confidential basis and subject to a signed nda. serious proposals only. *how we work* tell us your needs (budget, location, size). our team reviews your request and assigns a dedicated relationship manager. we only source conflict-free land and properties with clear titles. we conduct due diligence and arrange site visits. viewings are by appointments only finalize purchase, rental or lease with legal support. *please feel free to browse our other featured properties note: referrals & third party agents: 2.5% comm ref: ef...

For sale- watch video above 3‑bedroom flat + 1‑room‑parlour self‑contain on full plot --- lafenwa c of o --- ₦20,000,000 (net) price & title - price: ₦20,000,000 (twenty million naira) --- net - title: certificate of occupancy (c of o) --- originals available for verification short teaser good value full‑plot opportunity in lafenwa --- a 3‑bedroom flat plus a separate room‑and‑parlour self‑contained unit on the same full plot. clear c of o title, ready for immediate occupation or rental. ideal for owner‑occupiers or investors seeking easy entry with immediate income potential. property overview a practical residential compound on a full plot in lafenwa comprising a 3‑bedroom flat and an additional room‑and‑parlour self‑contained unit. the property sits on its own compound with space for parking and outdoor use, offering flexible living arrangements or an attractive small‑scale investment with diversified rental streams. unit breakdown - 1 × 3‑bedroom self‑contained flat (living/dining, kitchen, bathrooms) - 1 × room‑and‑parlour self‑contained unit (ideal for single occupant, couple or staff accommodation) key features - full plot compound --- private and secure with room for vehicle parking and outdoor activities - clear, transferable title: certificate of occupancy (c of o) - practical layouts suitable for families or combined owner‑occupier + landlord use - ready for immediate occupation or letting --- minimal refurbishment required (inspect to confirm condition) - good rental appeal in lafenwa for both 3‑bedroom family units and compact self‑contain units investment appeal - low entry price with immediate rental potential --- occupy one unit and let the other to offset running costs - suitable for buy‑to‑let investors, small landlords or first‑time buyers seeking a full‑plot asset - flexible use: retain as dual rental income property or redevelop/upgrade subject to planning and approvals documents & verification - title: c of o --- originals available for inspection during due diligence - survey/plot particulars available on request to qualified buyers viewing & sale process - viewings by appointment only. interested buyers should be prepared to provide proof of funds or bank reference to arrange inspection and document review. - sale process: submit a formal offer; agree heads of terms; pay deposit; complete via legal conveyancing and transfer. buyers are advised to instruct legal counsel to verify title and manage completion. legal disclaimer information provided is indicative and in good faith. prospective buyers must undertake independent legal, technical and financial due diligence. price, availability and particulars may change without notice. all detailed documentation and commercial discussions will be provided on a confidential basis and subject to a signed nda. serious proposals only. *how we work* tell us your needs (budget, location, size). our team reviews your request and assigns a dedicated relationship manager. we only source conflict-free land and properties with clear titles. we conduct due diligence and arrange site visits. viewings are by appointments only finalize purchase, rental or lease with legal support. *please feel free to browse our other featured properties note: referrals & third party agents: 2.5% comm ref: ef...

For sale- watch video above distress sale --- multi‑asset compound: 12 mini‑flats + 2 large warehouses + 3‑bed flat + security house --- amuwo odofin c of o --- ₦280,000,000 price & title - asking price: ₦280,000,000 (two hundred and eighty million naira) --- distressed sale: motivated owner seeking quick close. - title: certificate of occupancy (c of o) --- originals available for verification. location & availability - location: amuwo odofin, lagos --- accessible mainland location with strong tenant and industrial/commercial catchment. - availability: immediate sale. vacant possession or sale with current tenancies (to be confirmed at inspection and in the sale terms). property overview a high‑value, mixed‑use investment compound offered at a distressed price: the site comprises a cluster of residential units and commercial warehouses set on a single compound. this ready‑scale asset is ideal for investors, operator‑occupiers or developers seeking immediate rental income, last‑mile logistics exposure or short‑term value uplift through refurbishment and professional management. asset composition - 12 × mini‑flats --- compact self‑contained units providing strong rental demand and high per‑sqm yields. - 2 × large warehouses --- heavy commercial/industrial bays suitable for storage, distribution, light manufacturing or leasing to 3pl/fmcg operators (exact sizes to be confirmed on inspection). - 1 × 3‑bedroom flat --- larger family unit for premium rent or manager's accommodation. - 1 × security house --- on‑site security accommodation facilitating 24/7 compound management. - compound: communal circulation, loading/unloading area for warehouses and resident parking (layout to be confirmed). key selling points & investment appeal - distressed pricing: strong upside --- priced for a quick sale to a buyer able to proceed promptly. - diversified income streams: residential mini‑flats and commercial warehouses diversify revenue and reduce vacancy risk. - immediate scale: 12 small units provide instant aggregated rent roll; warehouses add high‑value tenants or logistics use. - conversion & redevelopment potential: site may be reconfigured, upgraded or partially redeveloped for higher returns (subject to planning). - c of o title increases bankability and simplifies legal verification for buyers and financiers. condition & practical notes - property sold as‑is. internal condition, occupancy status and equipment levels vary by unit --- full inspection recommended. - warehouse specifications (clear height, floor loading, roller doors, yard dimensions) to be verified on site. - services: electrical and water provision to be confirmed; buyer to inspect and budget for any required repairs or upgrades. recommended buyer uses - hold & operate: institutional or private landlords for steady rental cashflow. - logistics play: lease warehouses to 3pls, wholesalers or distributors servicing lagos. - value‑add: renovate mini‑flats and common areas, professionalise management to increase rents and capital value. - redevelopment: subject to planning, intensify residential density or repurpose warehouses for higher‑value uses. due diligence checklist (recommended) - legal: verify c of o and chain of title; check for encumbrances and rates arrears. - technical: structural survey of residential blocks and warehouses; roof, slab, drainage and electrical system checks. - operational: tenancy audit (rent roll, deposits, lease terms) if units are tenanted. - environmental & compliance: basic screening for contamination / industrial use impacts on site. - financial: model current income, capex required and exit options before offer. sale process & viewing - serious buyers only: proof of funds or bank reference required to arrange data access and inspection. - inspection: viewings by appointment with the mandated agent; full documentation (title, survey, tenancy schedule where available) released under nda to qualified parties. - transaction: formal offer heads of terms deposit legal conveyancing and completion. final note a rare mixed‑use compound at a distressed price offering immediate scale and multiple value avenues. ideal for buyers capable of swift due diligence and prompt completion. qualified parties are encouraged to submit proof of funds to arrange inspection and receive the full asset pack. all detailed documentation and commercial discussions will be provided on a confidential basis and subject to a signed nda. serious proposals only. *how we work* tell us your needs (budget, location, size). our team reviews your request and assigns a dedicated relationship manager. we only source conflict-free land and properties with clear titles. we conduct due diligence and arrange site visits. viewings are by appointments only finalize purchase, rental or lease with legal support. *please feel free to browse our other featured properties note: referrals & third party agents: 2.5% comm ref: ef...