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

Construction Mortgage

If you want to build a home, a construction loan can be a good choice. You can decide whether to get a separate construction loan for the project and then a separate mortgage to pay it off, or wrap the two together. In general, you need a higher down payment for a construction loan and proof that you can afford it.

We provide construction loans to prospective builders from Residential Owner-Occupiers and Build-to-Let and/or Build-to-Sell residential projects - all via Build Now Pay Later Ghana or DCANS Developments.

Additionally, we offer affordable construction loans to Affordable Home Builders & Developers directly, with offtaker built-in.

 

AFFORDABLE HOUSING PROVIDERS

To qualify for construction loans with us, you already need to own unencumbered land. If you're an affordable housing provider who already own land, we can provide affordable construction financing directly to your business with off-plan developments together with the land serving as collateral for the loan.

 

Features

• Direct construction financing for affordable homes

 

Requirements

Must:

• be a Ghana registered limited-liability company in the real estate and construction space

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.

© 2024 DCANS Mortgage Ghana, is a division 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.

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