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Max. Rate: 12% p.a.
incl Cedi Mortgages
Repayment Period
Up to 30 years
No Upfront Fees
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Non-Deposit Taking Lender

DCANS Mortgage is a non-deposit taking direct mortgage lender and not a bank. All loanable funds are private patient capital from dedicated, sustainable and reliable sources and not sourced funds from retail deposits and/or retail investments, or the general public.

For the uninitiated, our non-deposit taking status should be distinguished from the deposit or down-payment you pay to the property seller or vendor, if you're not on a 100% mortgage.

 

FUNDING SOURCES

It's obvious we cannot build a formidable mortgage lending business relying on retail deposits and/or retail investments in a country like Ghana with poor saving habits and non-existent capital formations and/or patient capital. Additionally, deposit-taking lending business is not a model we are even interested in, let alone think of pursuing that model in Ghana.

DCANS Mortgage has access to low-rate in-house loans (intra-group) and patient capital investments to finance our no upfront fee non-deposit taking mortgage lending. Our in-house funding providers include Hedge Funds, Family Office, Private Equity, Venture Capital, Proprietary Trading Firms (FX, Stocks, Precious Metals and Cryptos) in addition to reinvestment of groupwide profits and capital.

 

STAYING AWAY FROM RETAIL FUNDS (DEPOSITS + INVESTMENTS)

How many retail investors would have been patient with us till this day when some of our forex trading positions did not go according to plan on the back of the shocking June 23rd 2016 Brexit Vote? or the shocking Donald Trump election on 11th November 2016 that rattled global markets? Did you see any of the institutional investors hitting the streets with Ghana's financial sector clean-up? Only retail investors were heard as most corporate investors are sophisticated and somewhat patient to get such issues resolved. 

Neither did you see of the institutional investors with China's Evergrande Group picket at the indebted property developer's premises? Answers to this question and the few above underlines our (the group) decision not to allocate resources to managing retail deposits and/or investments.

 

LONG TERM INVESTMENT STRATEGIES

We (The DCANS Group Limited - DCANS Mortgage parent) play the 'long game', albeit interspersed with short-term 'opportunistic plays'. Our patient entrepreneurial approach enables us to grow exponentially via a variety of tactics and capital raising strategies without ever having to rely on retail deposits or retail investments.


 

Related Pages

No Upfront Fees

Applicable Fees & Charges

Seller-Financed Mortgage

No Deposit 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.