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

Applicable Fees & Charges

Owning a house or any property comes with various costs, and buying a home with a mortgage is not any different and certainly comes with fees and charges. Even before you move in, the mortgage application process can come with a number of unexpected fees. The application itself can run anywhere from $300 to $500. Then there’s home inspection fees, appraisal fees, origination fees, and sometimes private mortgage insurance (when providing less than 20% down-payment) as well. Many of these things are tacked on in various parts of the process from the beginning to closing.

 How we treat applicable fees and charges varies when buying from any of our in-house providers as against qualified external providers.

 

WHEN BUYING FROM IN-HOUSE PROVIDERS:

 There are no upfront fees or cost when buying from any of our in-house providers. Any applicable fees and charges are only due at closing, or can even be added to the loan amount for repayment.

 

FEES / CHARGES
 Search Fees
 Product Fees
 Legal Fees
AMOUNT
 None
 GHS5,000 + 1.25%
 
DETAILS
 N/A
 Due at Completion, or can be added to the Loan Amount at Closing
 

 

 

 

WHEN BUYING FROM EXTERNAL PROVIDERS:

 Upfront Search Fees apply when you are buying from an external provider. This is to enable us ascertain the veracity of submitted land title/deed and unencumbered status. We do the following searches and verifications when buying from a qualified external provider: Land Title / Deed (Ownership Verification), BoG Collateral Registry (Unencumbered), Court Registry Search (Non-Litigation).

We may also do the following verifications: Flood report on provide location, Earthquake-prone status, Building Permit, Contamination (Metals and other poisonous substances).

We always advise prospective borrowers to do these searches and verifications themselves being committing any fees to us carry out those due diligence processes, as those third-party fees are not refundable by those statutory bodies.

FEES / CHARGES
 Search Fees
 Product Fees
 Legal Fees
AMOUNT
 GHS2,000 for residential owner-occupiers (GHS3,000 For all non-owner occupiers, residential/commercial)
 GHS5,000 + 1.25%
 
DETAILS
 Required Upfront Before Searches Can Be Initiated
 Due at Completion, or can be added to the Loan Amount at Closing in part or in whole.
 

..

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 STATUS 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.

We are Non-Deposit Taking No Upfront Fee Direct Lenders (not brokers). 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. All loanable funds are private patient capital from dedicated sustainable and reliable sources and not sourced funds from the general public. We're Fully-Compliant: Our home mortgages are structured as Seller-Financed Mortgages (SFM), or 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 DCANS Properties or Rent to Buy Ghana or any of our in-house home providers.

© 2022 DCANS Mortgage, Ghana, affiliated to DCANS Mortgage UK (FCA-Compliant), Patient Capital Providers DCANS Capital Limited (England & Wales, CRN: 07970200) and DCANS Investments Limited (Ghana, CRN:) and Osei Family Office (SFO), Proprietary Trading Firms DCANS FX and XAU79 and Crypto81, 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), UK-based Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Platforms GhanaStartups.org and UKStartups.net and EUStartups.net 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.

Legal & Compliance Provided by TLA Firm & Ghanaian Partners. For more details, see Regulation & Compliance. This platform is securely powered by DCANS and Doctopus (in-house information & data security platform) & Promoted by TDG Media Ventures.