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

Repayment Assistance

Struggling with your loan payments? We’re here to help. You may have options as an existing borrower with us. And the sooner you contact us, the more alternatives you may have.

If your loan is currently with DCANS Mortgage and you are having trouble making your mortgage payment due to change or loss of your job, serious illness, divorce or other difficult situation, DCANS Mortgage may be able to work with you to enable you to catch up on your payments or assist you in avoiding the loss of your home through foreclosure. Eligibility is based on a case by case basis and we may be able to arrange one of the following solutions for you.

 

Repayment Plan

If your situation is temporary, you may be able to pay back your past due payments over an extended period of time while making our regular monthly payment. This will allow you to catch up on late payments without having to come up with a lump sum to bring your loan current.

 

Forbearance Plan

If your situation is temporary but expected to last long term, you may be able to make reduced or no mortgage payments for a specific period of time providing you with time to improve your situation and get back on your feet.

 

Loan Modification

After a three month trial period plan where you make payments based on the projected modified terms of your mortgage, you may be eligible to permanently modify your mortgage so that your payments or terms are more manageable. This is a permanent solution to a long-term or continuing hardship.

 

Short Sale

In some cases, you may not be able to keep your home. A short sale will allow you to sell your home for less than what is owed when you owe more than what your home is worth. This option will allow you to transition out of your home without going through foreclosure and in some cases, relocation assistance may be available.

 

Deed in Lieu of Foreclosure or Mortgage Release

You may be able to transfer ownership of your property to us when you are unable to sell your home and will allow you to avoid going through a foreclosure. In some cases, relocation assistance is available. You will need to assist in obtaining approval from any subordinate lien holders on your property. There are many possible solutions to managing your mortgage during these tough times. The most important step you can take is to contact us for assistance as soon as possible.

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.