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

Family Mortgage

Helping buyers with a low deposit to purchase a property, using security provided by their family or combined incomes of mortgage applicants (who would have not qualified individually). The principle behind our family assisted mortgage is simple. It helps families help their family members take the first step on the property ladder. 

Note that, our family mortgage is slightly different from our guarantor mortgages, although they have similarities. Family mortgage can be a guarantor mortgage but not all guarantor mortgages are family mortgages. Joint applications between married couples are not family mortgages. Our family mortgages can be between parents and children (evidenced with marriage certificate of the parents and date of birth of the children), or be between direct siblings [sisters, brothers, sister(s)-brother(s)]. 

Our family mortgage cannot be between cousins or any distant familial relations.

 

Features / Benefits

• For purchase of a house or build one on your own land.

• Only one applying member of the family needs to be a SSNIT-registered Salaried Worker with a net monthly monthly income above GHS2,000. Other family members can be informal sector workers with income.

• Maximum LTV: 80% (Up to 100% available if all applying family members are SSNIT-registered Salaried Workers). 

• No Closing Cost available for this type of mortgage, but cannot co-exist with a 100% mortgage.

 


 

Related Pages

Repayment Mortgage

Pension Mortgage

Farmer Mortgage

Healthcare Mortgage

All Residential Mortgages

All Commercial Mortgages

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.