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

Care Now Pay Later

As one of the existing customer benefits, the care now pay later service allows existing customers of DCANS Mortgage (or any other subsidiaries and/or affiliates of The DCANS Group (TDG) Limited) - TDG Ecosystem; to access healthcare services not covered by Ghana's National Health Insurance Scheme (NHIS) from HeFRA approved and/or licensed professionals locally, or abroad where applicable.

Maximum healthcare credit you qualify for is equivalent to your home equity (non-valuated value). For example, if you bought a GHS200,000 home and have managed to repay GHS50,000, the GHS50,000 becomes your home equity (minus all other loans) and the maximum healthcare amount you automatically qualify for.

The maximum repayment period for this healthcare credit is 50 months (5yrs) - The first 90 days are interest-free, but low interest rate apply beyond the initial 3 months.

This service can be used for any health or medical care not covered by the NHIS, including prescription drugs. This service is provided by:

DCANS Healthcare Ghana

DCANS Healthcare UK

Kaizer Pharma

DCANS Pay Ghana / Global

Quid Pay UK / Global

 

 

Note:

You are not limited to seek healthcare from any of the above. You're free to choose any licensed healthcare provider you want. However, we can only provide onground advance team support if you opt for any partner providers in Ghana and the UK (including transportation, airport pickup, medical evacuation, specialty meals, etc).

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).