Expat Mortgages
If you can demonstrate a valid proof of residence and/or work permit with regular net monthly income above $2,000, you can buy a home and/or investment property from us stress-free.
You don't need to be a Ghanaian to buy with us. Interest-Free Loan Against Property and Seamless Sell Back Features included.
FEATURES & BENEFITS
- Built-in direct regulatory compliant expat mortgages - no traditional bank involved.
- Maximum LTV: 80% (up to 100% LTV considered on a case-by-case basis)
- Minimum Mortgage Amount: $50,000
- Maximum Mortgage Amount: None (only limited by your verifiable income)
- Currency of Transaction: same as your income currency
- Can be used for both primary residence or buy-to-let property
- Interest-Free Loan Against Property (LAP)
- Sell Back Feature: Option that allows you to sell your bought property back to us quickly reaping all the appreciation benefits, if you have to leave Ghana for whatever reason.
REQUIREMENTS
- Proof of Ghana Residence Permit
- Proof of Work Permit
- Proof of Verifiable Regular Net Income.
MORTGAGE COMPARISON
It's important to note that, there's a difference between Expat Mortgages, Diaspora Mortgages and International Mortgages:
{supertable}
| * | EXPAT MORTGAGES | DIASPORA MORTGAGES | INTERNATIONAL MORTGAGES |
| TARGET USERS | Foreigners living and working in Ghana | Ghanaians or Persons of Ghanaian roots living and working abroad | Non-Ghanaians living and working anywhere in the world. |
| PROPERTY LOCATION | Ghana or the UK | Ghana or the UK | Ghana or the UK |
| BUYER LOCATION | Ghana or the UK | Anywhere in the world outside Ghana or the UK. | Anywhere in the world outside Ghana or the UK. |
| OWNER-OCCUPIERS | Yes | Yes, only when relocating permanent back to Ghana or the UK. | No |
| INVESTMENT PROPERTY / BTL | Yes | Yes | Yes |
| MAXIMUM LTV | 80% | 100% | 80% |
| MAXIMUM RATE | 12.00% | 12.00% | 12.00% |
| MAXIMUM MORTGAGE TERM | 30 years | 30 years | 30 years |
| DUE ON SALE CLAUSES | Yes | Yes | Yes |
| EARLY REPAYMENT CHARGES | No | No | No |
| TRANSACTION CURRENCY | GHS or or USD or GBP, depending on your income currency | USD or GBP | USD or GBP |
| ORIGINATING MORTGAGE PROVIDER | DCANS Mortgage Ghana or DCANS Mortgage UK, depending on your income currency | DCANS Mortgage UK | DCANS Mortgage UK |
{/supertable}
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RELATED PAGES
DIRECT MORTGAGES
- Seller-Financed Mortgages
- Healthcare Mortgages
- Family Mortgages
- Buy-to-Let (BTL) Mortgages
- Diaspora Mortgages
- Expat Mortgages
- Construction Mortgages
- International Mortgages
- Packaged Mortgages
- Pension Mortgages
- Blanket Mortgages
- Property Portfolio Mortgages
- Commercial Mortgages
- Semi-Commercial Mortgages
- Self-Employed Mortgages
- Mortgage Refinancing
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