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

Residential

  2. Home
  3. Mortgages
  4. Residential

We offer several owner-occupier home mortgages:

 

 

RESIDENTIAL MORTGAGE TYPES
Conventional Repayment Mortgage
Pension Mortgage
Family Mortgage
Assumable Mortgage
Healthcare Mortgage
Near Zero Mortgage
Rent to Buy Mortgage Upgrade
Expat Mortgage
Business Owner Home Loan
GENERAL FEATURES
 Normal mortgage where both principal and interest are paid monthly
Interest-Only (IO) where only interest is paid monthly and lump-sum of principal due at mortgage term expiration with Repayment Vehicle in-situ (Tier2/3 Pension, Private Investment Portfolios, etc). Capital Reduction (Curtailment) allowed.
 Mortgage taken by family to promote repayment. Usually between parents and children, not between couples.
 Transferable home loans, to foster easier repayment.
 Specialised Home Mortgages for Ghana Resident Public Sector Healthcare Workers (Doctors, Nurses/Midwives, Pharmacists, Lab Technicians, etc)
 Specialised Home Mortgages for all workers of The DCANS Group (TDG) Limited (including its subsidiaries and affiliates) recruited via TDG Jobs Ghana (a dedicated recruitment platform of the TDG)
 Seamless upgrade of the The DCANS Group's Rent to Buy option for all prospective homebuyers who initially could not qualify for a home mortgage right away.
 Opportunity for Expatriates in Ghana with valid residence and work permits to own a home via competitively-priced mortgage rates and terms similar to what's available to your home or developed countries.
 Targeted home mortgages for owners and shareholders of Ghana-registered and located businesses. The Business must be profitable for the most recent 2yrs (corporate tax evidence), SSNIT-registered as an Employer and have a website hosted with GhanaStartups.org (a sister company).

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Why Choose Us

Before You Apply

Useful Links

Residential Mortgages

Online Support

Existing Customer Benefits

Niche Home Mortgages

Home Ownership

Legal Notices

Commercial Mortgages

Built-in Services

About Us

BY VIRTUE OF OUR TARGET USER GROUP (SALARIED WORKERS & REGISTERED BUSINESS OWNERS), YOU ARE EXPECTED TO BE ABLE TO SPEAK, READ, WRITE AND UNDERSTAND BASIC ENGLISH TO FOLLOW SIMPLE SERVICE USE INSTRUCTIONS, OR WHERE APPLICABLE, SEEK INDEPENDENT LEGAL AND/OR FINANCIAL ADVICE FROM A QUALIFIED PROFESSIONAL BEFORE USING OUR SERVICES. PLEASE DON'T APPLY OR CONTACT US IF YOU DON'T QUALIFY. OUR 24/7 ONLINE SUPPORT COMPLIMENTS THE ABUNDANT INFORMATION ALREADY PROVIDED ON THIS PLATFORM, AND NOT TO REPEAT THE READILY AVAILABLE INFORMATION AT THE CLICK OF THE BUTTON.

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 YOUR CREDIT PROFILE 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.

NO UPFRONT FEES REQUIRED TO USE THIS SERVICE. ALL APPLICATIONS ARE DONE ONLINE – NO PAPER APPLICATIONS, NO USELESS PRE-APPLICATION MEETINGS & NO TALKSHOP. ALL IN-PERSON MEETINGS (IN-OFFICE) ARE STRICTLY BY APPOINTMENT AND ARE ONLY SCHEDULED FOR QUALIFIED APPLICANTS IN OUR DATABASE. IT IS ADVISED THAT PROSPECTIVE BORROWERS READ AND UNDERSTAND ALL PROPERTY LOAN AGREEMENTS THAT COVER THIS SERVICE BEFORE SIGNING.

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. Legal & Compliance provided by TLA Firm & Ghanaian Partners.

We are Non-Deposit Taking No Upfront Fee Direct Home Loan Providers (not brokers). All loanable funds are private patient capital from dedicated sustainable and reliable sources and not sourced funds from retailer depositors and/or investors or from the general public. We're Fully-Compliant: Our home mortgages are structured as Seller-Financed Mortgages (SFM), and where applicable as 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: Property Buyer & Flipping Platfom DCANS Properties or Rent to Buy Provider RTB Ghana or Affordable Housing Builder DCANS Developments or any of our in-house home providers - however, restrictions may apply with some of our low-rate mortgages.

© 2023 DCANS Mortgage Ghana, affiliated to DCANS Mortgage UK, Institutional Investors DCANS Capital (England & Wales, CRN: 07970200) and DCANS Investments (Ghana, CRN:), Proprietary Trading Firms DCANS FX and XAU79 and Crypto81 and CityStreet Coders & Quants and Oil & Energies Trading Platform DCANS Energy, 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), Send Now ay Later Global Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Platforms GhanaStartups.org and UKStartups.net and EUStartups.net, as well as Global Business Buyer Kaizer Labs 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, which is itself affiliated to the Osei Family Office OSFO and hedgie C57H.

This platform is securely powered by DCANS and Doctopus (in-house information & data security platform) & Promoted by TDG Media Ventures (which also owns Ghana Business Today and DCANS Print).