Max. Rate: 12% p.a.
incl Cedi Mortgages
Repayment Period
Up to 30 years
No Upfront Fees
T&Cs Apply

About

Welcome to DCANS Mortgage, Ghana. where exceeding the standard for responsible lending is our mission! We don't use deceptive advertising or hire misleading loan officers to drive our business. We don't charge upfront lock fees, upfront application fees.

Our formula for success is simple: provide the most competitive rates and fees in the industry coupled with exceptional service while maintaining the highest level of integrity. If you are tired of the games played by other lenders, try us for an honest, no "BS" transaction. We are professional direct mortgage lenders and not used car salesmen. We look forward to helping you any way we can.

We offer a safe integrated solutions to make homeownership possible for all Ghanaians, not just those for which the current system works, make it possible for more people than ever to begin building wealth through affordable housing.

 

Key Objectives

As our nation continues to struggle to ensure equitable opportunities for all Ghanaians, there is one major stumbling block in the pursuit of economic equality: the lack of access to homeownership. As an Equal Opportunity Lender and/or Home Provider, we ensure a fair and equitable real-estate system for all qualified people, a departure from antiquated and/or legacy systems that has made homeownership more elusive than ever, blocking the creation of wealth for millions of families - punctuated by the paltry $300m mortgages underwritten in the last 30yrs for some 3,000 people (less than 1% [circa 0.75%] of Ghana's GDP, pals in comparison to about 50-70% of GDP in most developed and/or emerging economies).

Homeownership offers financial stability and opportunity for families. Homeowners are, on average, 40 times wealthier than renters. With every family that isn’t able to own a home, there’s a multi-generational snowball effect. The likelihood of their children owning homes remains low, continuing a chain of economic inequality that could have been avoided by a more fair and equitable real-estate system like ours.

 


 

Related Pages

Founder's Message

How We Operate

Why Choose Us

Careers

BY VIRTUE OF OUR TARGET USER GROUP (SALARIED WORKERS & REGISTERED BUSINESS OWNERS), YOU ARE EXPECTED TO BE ABLE TO SPEAK, READ, WRITE AND UNDERSTAND BASIC ENGLISH TO FOLLOW SIMPLE SERVICE USE INSTRUCTIONS, OR WHERE APPLICABLE, SEEK INDEPENDENT LEGAL AND/OR FINANCIAL ADVICE FROM A QUALIFIED PROFESSIONAL BEFORE USING OUR SERVICES. PLEASE DON'T APPLY OR CONTACT US IF YOU DON'T QUALIFY. OUR 24/7 ONLINE SUPPORT COMPLIMENTS THE ABUNDANT INFORMATION ALREADY PROVIDED ON THIS PLATFORM, AND NOT TO REPEAT THE READILY AVAILABLE INFORMATION AT THE CLICK OF THE BUTTON.

MORTGAGES ARE SECURED AGAINST YOUR PROPERTY. YOUR HOME (OR COMMERCIAL PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT - REPAYMENT ASSISTANCE PROGRAMME AVAILABLE FOR QUALIFIED CUSTOMERS. ALL APPLICATIONS ARE SUBJECT TO YOUR CREDIT PROFILE AND OUR LENDING CRITERIA - THIS MEANS THAT THE AMOUNT WE WILL LEND YOU WILL DEPEND ON YOUR INDIVIDUAL CIRCUMSTANCES, THE TYPE OF PROPERTY AND THE AMOUNT YOU BORROW.

NO UPFRONT FEES REQUIRED TO USE THIS SERVICE. ALL APPLICATIONS ARE DONE ONLINE – NO PAPER APPLICATIONS, NO USELESS PRE-APPLICATION MEETINGS & NO TALKSHOP. ALL IN-PERSON MEETINGS (IN-OFFICE) ARE STRICTLY BY APPOINTMENT AND ARE ONLY SCHEDULED FOR QUALIFIED APPLICANTS IN OUR DATABASE. IT IS ADVISED THAT PROSPECTIVE BORROWERS READ AND UNDERSTAND ALL PROPERTY LOAN AGREEMENTS THAT COVER THIS SERVICE BEFORE SIGNING.

Using this digital-first platform constitutes acceptance of the terms, conditions and rules that govern our operations, so if you disagree with any of them in part or in whole, please don't use our services. Legal & Compliance provided by TLA Firm & Ghanaian Partners.

We are Non-Deposit Taking No Upfront Fee Direct Home Loan Providers (not brokers). All loanable funds are private patient capital from dedicated sustainable and reliable sources and not sourced funds from retailer depositors and/or investors or from the general public. We're Fully-Compliant: Our home mortgages are structured as Seller-Financed Mortgages (SFM), and where applicable as International Mortgages or Rent-to-Buy Mortgages, which do not require Bank of Ghana (BoG) regulation. Commercial Mortgages are also not regulated by the BoG. Prospective mortgage applicants are not restricted to buy a home from our internal partners: Property Buyer & Flipping Platfom DCANS Properties or Rent to Buy Provider RTB Ghana or Affordable Housing Builder DCANS Developments or any of our in-house home providers - however, restrictions may apply with some of our low-rate mortgages.

© 2022 DCANS Mortgage Ghana, affiliated to DCANS Mortgage UK, Institutional Investors DCANS Capital (England & Wales, CRN: 07970200) and DCANS Investments (Ghana, CRN:), Proprietary Trading Firms DCANS FX and XAU79 and Crypto81 and CityStreet Coders & Quants and Oil & Energies Trading Platform DCANS Energy, BNPL Providers DCANS Pay (Ghana) and Quid Pay (UK), No Upfront Fee Non-Deposit Taking Direct Platform Lenders Sikamaster Loans (Ghana) and Quidmaster Loans (UK), Send Now ay Later Global Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Platforms GhanaStartups.org and UKStartups.net and EUStartups.net, as well as Global Business Buyer Kaizer Labs and Groupwide IHB DBL UK (England & Wales, CRN: 09012597) , are all part of the AML-Compliant TDG GLOBAL CREDIT SYSTEM of The DCANS Group (TDG) Limited (England & Wales, CRN: 12645872, VAT #: GB 157 9161 82), but dual-headquartered in Ghana & the UK, which is itself affiliated to the Osei Family Office OSFO and hedgie C57H.

This platform is securely powered by DCANS and Doctopus (in-house information & data security platform) & Promoted by TDG Media Ventures (which also owns Ghana Business Today and DCANS Print).