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

No Upfront Fees

A. No Upfront Fees Required when buying from any of the following providers:

DCANS Developments

DCANS Properties

Build Now Pay Later (incl External Partner Builders)

Rent Now Pay Later

Rent to Buy Ghana

GhanaStartups.org Existing Partner Home Builders

 

Upfront fees are deferred (not waived) for the above providers because we would have known the authenticity of the ownership of lands these homes sit on.

 

B. When Upfront Costs Will Be Required

Buying from an external and/or non-preapproved builder comes with due diligence (Searches). Searches are not free, hence upfront cost will be needed. Prospective homebuyers coming via external builders must do their own thorough due diligence before providing land and/or house documentation to us for processing because any fee paid would be lost (non-refundable) if the Land Title / Deed are under litigation or encumbered.

 

Customer-initiated due diligence:

Before you even commit to submit any external property to us, we recommend that you do your own due diligence (which may cost less) before availing yourself to our mandatory due diligence. Use the following tips to carry it out on your own:

- Land Title / Deed MUST be in the name(s) of the company (or shareholders/owners) selling the house to you

- House MUST have a valid Building Permit

- House MUST NOT be in a flood-prone location (ask your district/municpal assembly)

- House MUST NOT be in an earthquake-prone location

 

The above tips would be verified and/ascertain, and your application would be declined and any fees lost, so we encourage you to confirm the following before you submit your Pre-Qualification with us. Alternatively, you could save yourself the upfront fees and all the hassle by encouraging your homebuilder to become a partner with us.

 

Qualified Properties under this option must already be complete and ready for habitation. We would need the following as part of your pre-application:

- Land Title

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.