Building your dream house from scratch?

That’s why we’re here. If you own a plot of land and need funds to build your dream house, here’s your chance to apply for our Home Construction Loan.Benefit from our facility, which comprises an initial one-year loan, which is rolled into a mortgage facility spread over up to 20 years.

Home Construction Loan

Facts you should know.

Flexibly designed
Whether you need funds from scratch or at the finishing stage of your home.
Friendly loan terms
Rolled into a mortgage facility and
spread over 20 years after one year.
Low interest rates
You get interest rates that are highly competitive in the Ghanaian mortgage market.
Includes the Self-employed
Being an entrepreneur is no barrier to home construction mortgage. You only need to meet our lending criteria.
Quick Decisions
You get prompt feedback.
Even if You live Abroad
You can live outside Ghana and still apply for our home construction mortgage. All that matters is your ability to service your loan.
Open to joint owners
You can apply even as joint owners of the property. We assess each of you separately.
Great customer service
We treat you right

What you need

  1. The property must be for residential purposes
  2. You must not be more than 60 years
  3. You must show valid ownership of the property
  4. A contractor or developer who is willing and capable of pre-financing the work from start to finish.

How to apply – here’s a quick way

  1. Submit your completed application form with the required supporting documents.
  2. We issue you with a Letter Of Intent (LOI) within 48 hours (self-employed only).
  3. Accept and return the LOI.
  4. We issue an Approval in Principle once we have reviewed your financials.
  5. We process your application and if approved, issue a Facility Letter.
  6. Accept the terms and conditions and return the Facility letter to us.
  7. Fulfil all necessary conditions including insurance policies.
  8. Then, we close the process and disburse your loan.

What we need

Only provide the following:Other requirements if you are self-employed.
2 forms of identity (passport, license, etc.)Certificate of incorporation and certificate to commence business.
3 months’ most recent pay slips/other sources of income.3 years’ audited financial statements.
3 months’ most recent bank statementsCompany code:

  • Limited liability companies- Forms 3 & 4
  • Sole proprietors – Form A
Proof of address(2 different utility bills/tenancy agreements etc.)3 years’ company bank statement & 1 year’s personal bank statements.
(only if applicable)
Credit report (only for non-resident applicants).

  • Bill of quantities.
  • Building permit & planning permission.