Ghana & the UK.
**// 4.00% - 8.00% p.a. Mortgage Rates (in GHS, or USD & GBP) Available WHEN buying any DCANS Property //** No Foreclosure EVER !!

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

Diaspora Mortgages

International Mortgages

All Direct Mortgages