Request a Callback via The DCANS Contact Centre Platform.
Max. Rate: 12% p.a.
incl Cedi Mortgages
Repayment Period
Up to 30 years
No Upfront Fees
T&Cs Apply

Insanity is doing the same old things and expecting different results. At DCANS Mortgage, we solve problems by doing things differently (contrarians to the core) to maintain optimum productivity and profitability for our shareholders and extreme value for our customers.

 

Target Market

Our products and services are not for everybody. To use our services, you need to have permanent employment with a minimum net monthly salary (or total household income above GHS2,000), age between 21 and 55 years. Business borrowers need to be registered and been operational for at least two (2) years. Learn more.

 

Operational Efficiency

No paper applications with us - All applications are done online via this platform. No needless pre-application phonecalls or in-person meetings. Only qualified applicants would be contacted via our dedicated call centre.

 

Low Cost Operations

As a tech-dependent data-driven direct lender, we eliminate useless and/or outdated business processes that make home loans very expensive in Ghana. To this effect, there are no paid employees with us whose job is just to receive calls on issues that have already been provided for on this platform or efficiently and effectively catered for by automation and/or robots. If required, humans will only contact qualified applicants on receiving complete applications. Additionally, DCANS Mortgage is overseen by group-level Advisory Board - eliminating needless localised costly board management.

Uniquely structuring our mortgages as Seller-Finance Mortgages (SFM), aka Owner Financing / Seller-Financing, eliminates needless regulatory costs which would have invariably been passed on to borrowers.

 

Transformational Innovation & Disruption

Ghana's mortgage market may be nascent but ripe for demolishment of the mediocre offering of the traditional banks - only about 5 of the 23 banks in Ghana actually provide mortgages, albeit at a very expensive and/or extortionate terms.

 

Twin Operations

DCANS Mortgage Ghana operates in complimentary fashion with DCANS Mortgage UK, even for property purchases in Ghana, specially for forex earners.

 

Salary / Business Bank Account Switch?

There is no requirement for you to switch your bank to any preferred regulated bank for now. However, you may be required to switch your salary or business bank account if we decide to sell your existing loan with us to a BoG-regulated bank. Prospective buyer of our loans may be a sister regulated company as well.

If your bank of many years is unable or unwilling to provide you affordable home loans, then you shouldn't have a problem with a provider who has provided you with once-in-a-lifetime opportunity of building wealth for your family and generations unborn.

 

Onward Loan Book Sales

As already stated above, all mortgage loans beyond 5yrs (or less where appropriate) in our books may/will be sold to The DCANS Group Prospective Bank (TDGPB, not actual name - name with-held) by 2025 (if not far earlier - team already on the ground). Custom-built Physical and Industry-beating Digital Infrastructure for TDGPB are almost complete (prop trading floors and/or workstations included) and will apply to be authorised and regulated by the Bank of Ghana (BoG) before TDGPB interfaces with the general public.

TDGPB (not DCANS Mortgage Progenitor), whilst coming on board with dedicated operations in real estate and mortgage banking, will also have special interest in corporate, commercial, business, private banking, and proprietary trading (FICC), but definitely not standalone retail/consumer banking - The Group has never been interested in retail deposits and/or investments.

The co-existence of DCANS Mortgage and TDGPB, post the latter's future operations is deliberate.

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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