To get a mortgage in the first place, your lender must have verified your income and be satisfied with it that you're financially-capable and responsible to satisfy your monthly repayment obligations.

So it will be very insensitive for any mortgage provider to now throw you under the bus, when you encounter repayment difficulties, when by virtue of the nascent mortgage market and almost always property price appreciation in Ghana, it should never happen that the once good mortgage customer should be given a raw deal.

DCANS ANTI-FORECLOSURE POLICY

We believe Ghana is not in any way serious about solving the assumed 1.8million+ housing deficit, by the actions of both the fiscal side (Government through GRA's 20% VAT from 1st January 2026) and monetary side (unfriendly interest rate regimes and property repossession risk), that both put a barrier to home acquisition, and puts those who have acquired it at severe risks of losing it via some hostile repossession processes.

At The DCANS Group Limited, you NEVER EVER have to fear losing any DCANS Property you buy from us (built or acquired), when you buy with a DCANS Mortgage - Because, we believe mortgage financing should be the first property financing option for a country with rampant land litigations (over 80% of all civil cases in Ghanaian courts), high unemployment rate, late employment, low income levels, lower pension age (shorter working life), than developed markets which don't have any of these limiting factors that hamper home ownership in Ghana.

For those who are facing foreclosure from any of the insensitive traditional banks, you can avoid repossession altogether at no upfront fees to you, via multiple options available via DCANS Foreclosure Ghana (corporate sibling and dedicated platform owned by the group, aimed at preventing loss of home by any troubled defaulted mortgage customer of a bank).

FORECLOSURES IN GHANA vs. ELSEWHERE (UK EXAMPLE)

For useful and appropriate comparison, whilst the UK Government (together with the regulator FCA, the banks or lenders, rolled out their Mortgage Charter in 2022, under the Rishi Sunak Conservative Government, guarantees No forced repossessions within 12 months of missed payments - which is still in effect to date and in addition to plethora of repayment assistance programmes)....

..... But what we have here in Ghana are banks in so much of a hurry to repossess homes (we say this because our anti-foreclosure platform is at the centres of assisting mortgagors keep their homes), and we have warned prospective buyers who come our away to stay away from such traditional banks for mortgages.

Fear of losing one's home is the number one reason why most people who qualify for mortgages have stayed away from accessing such facilities from the traditional banks, because one almost always knows someone who has gotten his/her hands burnt from some of these traditional banks - The trust hurts for some of these banks, but it must be told - they don't have patient funds !!

And if you have already suffered any unlawful repossession, you can also seek some form of legal case review and direct litigation support via The Litigation Funders Ghana (corporate sibling).

DCANS DEVELOPERS AND/OR SELLERS

You never have to worry about losing your home when you buy from any of our in-house developers and/or sellers:

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REPAYMENT ASSISTANCE OPTIONS

There are several options you can take advantage of when you have difficulties with repayments. Read more on that via our Repayment Assistance Programmes page.

MORTGAGE REFINANCING

ASSISTED VOLUNTARY SALE

PAYMENT HOLIDAYS (FORBEARANCE)

REDUCED PAYMENTS

JOB SEARCH ASSISTANCE

BUSINESS STARTUP SUPPORT

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