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

HomeBuilder Programme

There are no easy or quick fixes to Ghana’s housing affordability challenges, which many countries including the UK are confronting. Ultimately, it will require long-term reforms by governments and regulators to address supply and demand imbalances in the housing market. Governments have largely been unable to tackle most of these issues. So short-term interventions will again be left to charlatans, without fixing any of the long-term underlying structural problems.

Today’s housing market in Ghana combines the worst of two worlds: a lack of supply for those with the means and desire to buy, and unaffordability for those of lower income. A 2010 census report found that the growth in Ghana housing stock over the past decade was not encouraging, exacerbating a growing affordability crisis in many parts of the country.

While there are many reasons, including such fundamental problems as the affordable housing supply, a key, long-term cause of housing shortage and its social implications (including the capacity for those of low income to accumulate wealth through property ownership) lies in our housing policy history. We once had a reliable formula for housing a wide range of income groups but have turned our backs on it.

We're offering a one-stop platform for providing quality affordable homes to qualified income earners in Ghana, replete with direct home mortgages and affordable home loans - not the piecemeal or mere talk approach by governments after governments and useless media talkshop on Ghana's housing crises.

 

FUNDING

Funding is front and center of affordable housing debates

 

FEATURES / BENEFITS

Aggressive rollout of affordable homes priced between GHS120,000 and GHS1.2m (approx. $20,000 - $200,000).

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). Terms, conditions and rules 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 mortgages are structured as Seller-Financed Mortgages (SFM) and where applicable, as Commercial Mortgages, which do not require Bank of Ghana (BoG) regulation. Legal & Compliance Provided by TLA Firm & Ghanaian Partners. For more details, see Regulation & Compliance.

© 2021 DCANS Mortgage, Ghana, affiliated to DCANS Mortgage UK (FCA-Compliant), Proprietary Trading Firm DCANS FX, Ghana's Biggest BNPL Provider DCANS Pay, UK's One-Stop Earned Wages Provider Quid Pay, No Upfront Fee Non-Deposit Taking Direct Platform Lenders Sikamaster Loans (Ghana) & Quidmaster Loans (UK), UK-based Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Funders [GhanaStartups.org ++ UKStartups.net ++ EUStartups.net] and DCANS Capital Limited (CRN: 07970200), are all part of the AML-Compliant TDG GLOBAL CREDIT SYSTEM of The DCANS Group (TDG) Limited (Registered in England & Wales, CRN: 12645872, VAT #: GB 157 9161 82), but dual-headquartered in Ghana & the UK.

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