Flagship Realty (flagshipfj.com) — Fiji Property Settlement Process (S&P → Settlement → Post-Settlement)

Flagship Realty’s guided workflow for property buying and selling in Fiji — from Sale & Purchase Agreement (S&P) signing, deposit receipts, bank mortgage documents, lease consents, FRCS CGT clearance, Titles Office registration, and post-settlement handover. This page is built for Flagship clients on flagshipfj.com.

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S&P drafting pointers (Flagship Realty)

  • Finance clause timeline must be comfortable. Common finance clauses are 30 / 60 / 90 days — choose what matches the buyer’s reality (bank processing + valuation + FNPF + consents).
  • If the deal is Leasehold + Mortgage + FNPF, your bottlenecks are usually Consent + FNPF approval. Don’t write an S&P like it’s a cash deal.
  • Make responsibilities clear: who lodges consent, who follows up, who provides clearance evidence, and who handles CGT.

1) Deal Type

Leasehold transactions in Fiji often require consent before Titles registration. (Common parties: TLTB, lease administrators, Housing Authority, church lease administrators, etc.)

2) Funding

Organisations you’ll touch: FNPF, your bank/lender, and the Ministry of Lands / Titles.

3) Workflow Tools

Sequential gating is ON: steps unlock in order to reduce confusion and settlement delays.

4) Quick Contact

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We coordinate bank + lawyers + consent + CGT + Titles — without the drama.

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Step-by-step Timeline (Flagship Realty • flagshipfj.com)

Complete steps in order. Locked steps show what must be completed to unlock.

Disclaimer (Flagship Realty): General guidance only. Requirements may vary by lender and authority. For deal-specific support, contact Flagship Realty via flagshipfj.com.

Fiji Property Settlement FAQs (Flagship Realty • flagshipfj.com)

Fiji property settlement FAQs covering S&P, finance clauses, deposits, FNPF housing withdrawal, leasehold consent, FRCS CGT clearance, Titles Office registration, and post-settlement steps — written for buyers and vendors in Fiji.

What is the Fiji property settlement process from Sale & Purchase Agreement (S&P) to settlement? Fiji settlement
In Fiji, the settlement process typically starts when the S&P is signed and the deposit is paid into a trust account (agent or solicitor). If a mortgage is involved, the buyer signs bank offer documents and satisfies lender conditions. If the property is leasehold, consent to transfer (and consent to mortgage if borrowing) may be required before registration. The vendor usually obtains FRCS CGT clearance. Settlement concludes when the transfer (and mortgage) are lodged/registered at the Titles Office. Flagship Realty (flagshipfj.com) uses a step-by-step workflow to keep buyers, vendors, lawyers, and lenders aligned.
How long should the finance clause be in Fiji (30, 60, or 90 days)? S&P drafting
Finance clauses commonly run 30 / 60 / 90 days. Choose a realistic timeline based on:
  • Bank/lender processing time and valuation requirements (if mortgage).
  • FNPF approval timelines if housing withdrawal is involved.
  • Consent requirements if the property is leasehold (e.g., TLTB or other lease administrators).
If the finance clause is too short, you don’t get a faster bank — you get extensions, pressure, and delays.
Where is the deposit paid in Fiji and why does the bank ask for a receipt? Deposit receipt
Deposits are commonly paid into a solicitor’s trust account or a real estate agent trust account, depending on the S&P. Lenders often require a deposit receipt as evidence of the buyer’s contribution. Keep the receipt with your property file — Flagship Realty clients on flagshipfj.com should treat it like a VIP pass.
What is consent to transfer and consent to mortgage in Fiji leasehold property transactions? Leasehold consent
Leasehold properties may require consent before the lease can be transferred to a buyer. If the buyer is borrowing, lenders may also require consent to mortgage. The authority depends on the lease type (e.g. TLTB for iTaukei land leases). Consent timing is a common bottleneck — Flagship Realty tracks it in sequence on flagshipfj.com to reduce delays.
What is FRCS CGT clearance and why is it needed for settlement in Fiji? FRCS CGT
Many Fiji property transfers require CGT clearance/certification from FRCS before registration. This is usually handled by the vendor (or their lawyer/accountant). Without CGT clearance, registration can be delayed.
What happens at settlement day in Fiji (Titles Office registration)? Settlement day
Settlement typically concludes when the transfer instrument (and mortgage instrument if financed) are lodged/registered at the Titles Office (see Ministry of Lands). A lodgement slip is commonly issued and used by lawyers/banks as proof the settlement has concluded.
When should I lodge FNPF Housing Withdrawal for a Fiji property purchase? FNPF timing
Lodge early. FNPF approvals can affect bank settlement conditions and timelines. Flagship Realty clients on flagshipfj.com treat FNPF as a core timeline item — not a last-minute sprint.
What should I do after settlement in Fiji (post-settlement checklist)? Post-settlement
Post-settlement includes key handover/possession confirmation, updating utilities and rates, confirming insurance (especially for mortgage buyers), and storing all documents: S&P, deposit receipt, consents, CGT, and lodgement slip.
Why does Flagship Realty use step-by-step gating in this workflow? Workflow
Because clicking random steps doesn’t speed up settlement — it creates confusion. Gating keeps the sequence realistic: transfer docs → mortgage docs → consents → CGT → Titles registration → post-settlement. It reduces delays and makes responsibility clearer (Flagship Realty • flagshipfj.com).
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