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

Eligibility Requirements

Minimum must-haves you need to even consider a home. You and your co-borrower, if you have one, will need to provide us with documentation to verify your employment history, creditworthiness and overall financial situation. Before completing an application, you’ll want to ensure you have these things:

 

For Individuals

• SSNIT Statement (for the last 2 years)

• Recent payslip or pay stubs (covering the most recent 30 days). Please don't apply if you cannot provide proof that your total monthly household income is above GHS2,000 (reflected in your SSNIT Statement as well). Individuals in a joint application can have net monthly salary below GHS2,000, but the total should be above GHS2,000 to be considered.

• Signed personal tax returns (all pages and relevant schedules)

• Complete bank statements for all financial accounts, including salary bank account, investments, where applicable mobile money statement (for the last 6 months)

 

For Limited Liability Companies

Note: We don't lend to Sole Proprietor Businesses. 

• Signed business tax returns (all pages and relevant schedules)

• A copy of most recent year-to-date profit/loss statement

 

Important:

We may require more documents, depending on your circumstances and the type of mortgage for which you’re applying. You can expect us to ask you details about your employment and financial history. With your permission, we will also run your credit check as part of the process.

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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