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

How We Compare

It's unacceptable that only about six (6) of the 23 banks in Ghana offer home mortgages - a few others offer loan products that can be used for any asset aqcuisition purpose, but not named as a home loan or mortgage. Only one local bank of the 23 offer mortgages. Whilst almost all the foreign-owned banks in Ghana offer home mortgages in their home countries, but stay away from such product offerings in Ghana, admittedly as a result of the long repossession processes in our courts.

The comparison table below are for Residential Mortgages Only.

 

*
Upfront Fees 
 Closing Costs
 Closing Cost Mortgages
Repayment Period
Typical Lending Rates
Interest-Only
Minimum Loan Amount
Maximum Loan Amount
Maximum LTV
Maximum Debt Service Ratio
Prior Bank Account Opening
Pension Mortgage
Early Repayment Charges (ERC)
Repayment Assistance
Regulation / Compliance
DCANS
 No
 GHS5,000 + 1.25%
 
 Up to 30yrs
 Up to 12.00% p.a.
 Yes
 
 Up to GHS6m
 100%
50% (up to 70% can be considered for joint applications)
Not a bank, and non-deposit taking
Available (No Prior Assignment Required)
No
 Yes
 No, Not Required. Structured as Seller-Financed Mortgages (SFM)
ECOBANK
 Yes
 1.50%
 
 Up to 15yrs
 19.00% p.a.
 No
 
 $350,000
 100%
 
Yes
Yes. Qualifies if your Tier2/3 crosses 20% of home price. Prior Assignment Required. 
 
 
 Yes, Required because they take deposits an retail investments.
REPUBLIC
Yes 
 1.50% +1.50%
 
 Up to 20yrs
 
 No
 
 
 80%
 
Yes
 
 
 
 Yes, Required because they take deposits an retail investments.
FIRST NAT.
Yes 
 
 
 Up to 20yrs
 
 No
 
 
 100%
 50%
Yes
 
 
 
 Yes, Required because they take deposits an retail investments.
STANBIC
 Yes
 2.00%
 
 Up to 20yrs
 
 No
 
 No limit. Depends on your income
 
 50%
Yes
 
 
 
 Yes, Required because they take deposits an retail investments.
CAL
Yes 
 
 
 
 
 No
 
 
 
 
Yes
 
 
 
 Yes, Required because they take deposits an retail investments.
ABSA
 Yes
 
 
 Up to 20yrs
 
 No
 
 Up to GHS5m
 90%
 50%
 
 
 
 
 Yes, Required because they take deposits an retail investments.

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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.