Helping Families Get Closer to Homeownership **Buying a home as a family can open doors that may be difficult to unlock alone.** Whether you're buying your first family home, helping a relative onto the property ladder or combining financial resources to purchase a property, a family mortgage can provide a structured way to approach homeownership. At **DCANS Mortgage Ghana**, we help eligible families explore **Direct Family Mortgage solutions** designed around their individual circumstances, financial position and homeownership objectives. YOUR FAMILY. YOUR HOME. A family mortgage can allow eligible family members to work together towards a shared property goal. Depending on the mortgage structure and lender criteria, family members may potentially support a purchase through **joint applications, shared affordability or other family-supported arrangements**. **When family works together, homeownership can become more achievable.** WHY CONSIDER A FAMILY MORTGAGE ? 1 Combine Financial Strength** Eligible family members may be able to combine income or financial resources to support a mortgage application. 2 Help a Family Member Buy a Home** Family-supported mortgage arrangements may help eligible applicants who need additional support getting onto the property ladder. 3 Buy Your Family Home** Secure a home that meets your family's current needs while planning for the future. 4 Support First-Time Buyers** Parents and other eligible family members may be able to provide financial support as part of an appropriate mortgage structure. 5 Explore More Options** A family-based approach may provide additional opportunities depending on affordability, lender requirements and individual circumstances. WHO COULD CONSIDER A FAMILY MORTGAGE ? Direct Family Mortgage solutions may be suitable for: 1 First-time buyers 2 Families purchasing a home together 3 Parents supporting adult children 4 Adult children supporting parents 5 Siblings purchasing property together 6 Married couples and partners 7 Other eligible family members seeking a joint property solution FAMILY MORTGAGE OPTIONS Depending on individual circumstances and lender criteria, potential structures may include: 1 Joint mortgage applications 2 Joint ownership arrangements 3 Family-supported applications 4 Multiple applicants contributing towards affordability 5 Family members purchasing a property together The appropriate structure will depend on **income, affordability, deposit, credit profile, property type, ownership arrangements and lender criteria**. WHY CHOOSE DCANS MORTGAGE GHANA ? 1 Direct Mortgage Providers** Deal directly with a mortgage provider focused on helping customers explore practical home finance solutions. 2 Family-Focused Approach** We understand that every family has different financial circumstances and homeownership goals. 3 Experienced Support** Get guidance through the mortgage journey, from initial assessment through to completion. 4 Clear & Transparent Process** Understand the key requirements, responsibilities and costs before proceeding. MAKE YOUR FAMILY'S HOMEOWNERSHIP PLANS A REALITY Buying a home is one of the biggest financial decisions a family can make. Before applying, it is important to understand **who will own the property, who will be responsible for the mortgage, how affordability is assessed and what happens if circumstances change**. Getting the right mortgage structure from the beginning can help your family move forward with greater confidence. READY TO BUY TOGETHER ? **Don't assume you have to do it alone.** If you're considering buying a home with family support or purchasing a property jointly with relatives. *All mortgage applications are subject to eligibility, affordability, credit, property, ownership and lender criteria. Joint applicants may each be responsible for the mortgage debt. Family members should consider the legal, financial and tax implications of joint borrowing and property ownership and obtain independent professional advice where appropriate. Finance is not guaranteed and terms vary according to individual circumstances.*