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Purchasing a home?

You can get a mortgage for up to 20 years. Whether you’re buying your very first or moving to your next house, our Home purchase loan is best for you. Just find your dream house, agree terms with the seller, get an offer letter – We do the rest.

Home Purchase Mortgage

Facts you should know.

Friendly loan terms
Our mortgages range from 3 to 20 years (10 years for Ghana Cedi borrowers).
For sole or joint borrowers
You can apply whether you’re buying as an individual or jointly. We assess each of you separately.
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 buying your own home. 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 a mortgage. All that matters is your ability to service your loan.
Great customer service

We treat you right.

What you need

  1. The property must be residential.
  2. You must not be above the age of 60.
  3. The seller must be the valid owner of the property.

How to apply – here’s a quick way

  1. Submit a completed application form with the required supporting documents;
  2. We will issue you with a Letter Of Intent (LOI) within 48 hours (Self-employed applicants 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;
  7. Fulfill all necessary conditions including insurance policies;
  8. Then we close the process and disburse your loan.

What we need

Only provide the followingOther requirements if you are self-employed
2 forms of identity (passport, license, etc.)Certificate of incorporation and certificate to commence business
3 months’ recent pay slips/other sources of income3 years’ audited financial statements
3 months’ recent bank statementsCompany Code

  • Limited liability companies – Forms 3 & 4
  • Sole proprietors – Form A
Proof of address3 years’ company bank statement & 1 year’s personal bank statements (if applicable)
Credit report (non-resident applicants)
Offer letter from vendor