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

Offices

In enforcing our 'No Thoroughfare Policy' at any of our office premises and in line with The DCANS Group (TDG) Limited's (parent company of DCANS Mortgage) shared resources policies and operational efficiency practices, all in-person meetings at any of our office locations are strictly by appointment only.

Our preference for the suburbs over the cities is deliberate, as our operations are never negatively impacted by our unique locations (thanks to advancement in technology). Our existing clients and/or qualified target customers or users cooperate accordingly.

 

ACCRA (GREATER ACCRA REGION)
 The DCANS Group (TDG) Facility, Dodowa New Site
 Digital Address: 
 Mailing Address: DCANS Mortgage, The DCANS Group Limited, PO BOX AN 19969, Accra-North, Ghana.
 
KOFORIDUA (EASTERN REGION)
 The DCANS Group (TDG) Facility, Off Osabene Road
 Digital Address: 
 Mailing Address: DCANS Mortgage, The DCANS Group Limited, PO BOX KF 582, Koforidua, Ghana.
 



Additional group-owned facilities in Dzorwulu, Achimota, Brekuso and Adenta will be added as and when necessary.



Note that in-person appointments are currently restricted to existing customers only, and on issues that cannot be resolved via remote digital channels. Our physical locations are strictly for backoffice duties and other complimentary in-person settings (training for existing customers, scheduled events, etc) and not a 9 to 5 hang out.



and hence our offices:

- Cannot be used for making enquiries. You can use our email, social media page (including whatsapp for all enquiries).
- Cannot be used to make payments. We do not accept or use physical cash in any of our transactions. You can use existing banking and payment options with built-in customer protection measures




Work from Anywhere (incl Home Offices)
A good number of our staff are working from home and even in some circumstances out of Ghana and in-person meetings may not always be possible. No in-person meetings take place in the private homes of our staff. Partner freelancers worker from anywhere across the globe, working remotely across eight time zones.

If we need to schedule any in-person meeting and where possible, it can only take place in any of the above offices and not in the private homes or any of our staff.


Non Deposit Taking & No Upfront Fees
Our services does not come with any upfront fees and hence does not carry any risk to the user. We do not transact in physical cash for any of our services. All repayments are done electronically via acceptable payment methods.

If you are fixated with the old way of doing business or things in general, this service may not be for you.


No Talkshop. No Mere Talk. No Idle Talk. Purposeful Meetings.
With advancement in technology and in this era of global pandemic, we do not expect prospective forward-thinking tenants to be antiquated in their approach and thinking, to still rely on inefficient traditional ways of doing things, as it's evident in the reasons for asking for a meeting almost always being irrelevant, trivial and useless (excuse our french).


Booking Appointment
We do not have an open door policy. To schedule an appointment, you need to state the purpose of such an in-person meeting. If it can be resolved remotely, we would not schedule any appointment and ask you to use our digital channels.

This arrangement will however be reviewed in the course of 2021 and when issues surround Coronavirus (Covid-19) make them feasible for frequent relevant in-person meetings.


You don't have to use our services if you disagree with how we operate or any of the arrangements above.

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.

© 2022 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).