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

Solving the housing crisis is a nuanced issue that plagues the minds of many all around the world. In this country, specifically, the problem has caused rifts among political parties. Regardless of which party you identify with, you’re likely just as lost as anyone else when it comes to finding a solution. And if you have any heart at all whatsoever, watching homeless encampments and rough-sleepers is nothing short of horrific. Where are these people supposed to live when even those with relatively solid salaries struggle to find affordable housing themselves? As long as we see the cost of housing rise, this issue will only worsen for everyone.

Currently, in Ghana, we face two major housing issues: a severe lack of affordable housing — especially for renters — and sustainable structure for low-income buyers. 740,000+ Government (Public-Sector) Employees, 800,000+ Active Private-Sector Tier-I Contributors, making up over 1.5m of active SSNIT Contributors and 2m+ Housing deficit - These numbers make interesting reading for a tech dependent, data-driven firm like ours, and the opportunities provide competitive return on equity and investments for our shareholders.

I'm particular excited about innovative and/or disruptive business models that upends legacy systems and/or established incumbents and that's exactly what DCANS Mortgage does. Those traditional banks unwilling to provide affordable home loans to their salary domiciled accounts stand the risk of losing such accounts in the coming months.

Saving you money is what we do, as a non-deposit taking no upfront fee low-rate mortgage direct lender. That is what our clients love about us, and our competitors hate. I believe in the Ghanaian Dream, and the Ghana Project. At DCANS Mortgage, we solve problems and not interested in talkshops and/or useless endless meetings. Our one-stop homeownership platform (both supply and demand) offers the first real solution to the ever increasing housing crises.

 

Isaac Osei,

BSc. Biological Science (I) || BSc. Human Biology (KNUST) || MBChB Medicine & Surgery, KNUST-KATH (I)

Founder, The DCANS Group Limited || Founder, DCANS FX || Founder, DCANS Properties

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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 STATUS 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.

We are Non-Deposit Taking No Upfront Fee Direct Lenders (not brokers). 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. All loanable funds are private patient capital from dedicated sustainable and reliable sources and not sourced funds from the general public. We're Fully-Compliant: Our home mortgages are structured as Seller-Financed Mortgages (SFM), or 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 DCANS Properties or Rent to Buy Ghana or any of our in-house home providers.

© 2022 DCANS Mortgage, Ghana, affiliated to DCANS Mortgage UK (FCA-Compliant), Patient Capital Providers DCANS Capital Limited (England & Wales, CRN: 07970200) and DCANS Investments Limited (Ghana, CRN:) and Osei Family Office (SFO), Proprietary Trading Firms DCANS FX and XAU79 and Crypto81, 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), UK-based Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Platforms GhanaStartups.org and UKStartups.net and EUStartups.net 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.

Legal & Compliance Provided by TLA Firm & Ghanaian Partners. For more details, see Regulation & Compliance. This platform is securely powered by DCANS and Doctopus (in-house information & data security platform) & Promoted by TDG Media Ventures.