Ghana's Mortgage Market, is at best underdeveloped, and Ghana is the country with the highest property transaction costs in the whole world, after the introduction of the 20% VAT since 1st January, 2026 (Cyprus, only comes in at second with 19%+ transaction costs).

Property transaction costs can go as high as 27%+ (if you're lucky for your traditional mortgage bank provider allows 100% LTV Mortgages), but can rise to a whopping 47%+ (if your traditional lenders requires you to put up minimum of 20% down-payment).

The DCANS Group Limited (corporate parent) decides to do things a differently, as we're known to do, within the regulatory framework and acceptable profitability - no tricks, no gimmicks - just total industry disruption, positively.

We consider joining the majority of mortgage providers in Ghana with expensive double-digit mortgage rates unacceptable, hence our differentiated offering.

We show you how we're doing it below....

RESTRICTED BUYING OPTIONS

Guaranteed Single-Digit Mortgage Rates Within 4.00% and 8.00% IF you're buying any DCANS Property (built or acquired), from any of our in-house developers and/or sellers:

If you don't want to buy from our in-house developers and/or sellers, then you don't get our single-digit mortgage rates - simple as that !!

FUNDING SOURCES

At The DCANS Group Limited (long-term investors), we believe it's impossible for any entity to rely on expensive traditional bank funding or unreliable retail deposits and/or investments to offer single-digit mortgage rates, sustainably.

Backed with market insights and research, we DON'T rely on any of the unreliable funding options above !!

DCANS Single-Digit Mortgage Rates are funded exclusively with:

1 DCANS Shareholder Funds

2 Reliable Intra-Group Lending

3 Groupwide Profit Reinvestments

4 Non-Retail Private Patient Capital

5 Efficiency Savings 6 Other Legal Regulation-Compliant Balance Sheet Operations

7 Founder's Pension Funds.

By virtue of the properties that qualify for our single-digit mortgage rates, there are no double-spends. All construction financing for all those qualified properties are from patient reliable AML-Compliant in-house sources.

Settlement moves from one DCANS Business to another DCANS Business (stays within the DCANS Ecosystem).

In exceptional instances where we finance qualified externally-sourced properties, we structure the legal mortgage contract to be 'BoG-Regulation Exempt', and the buyer must also be able to provide the applicable 20% GRA VAT upfront before mortgage closing.

MULTIPLE PROFIT SOURCES

Buying a DCANS Property with a DCANS Mortgage, always guarantees us profit from both the property and mortgage, hence we can sacrifice some portion of the mortgage interest, and a combined income from both still makes economic sense for the group.

For example:

If a GHs400,000 is sold to a 30 yr old qualified buyer for rate of say 4.00% - 8.00% 30yr mortgage, we demonstrate how the returns will play out below (radical transparency):

Note:

It is naive to look at the interest repayment amount, and assume the lender is making so much money off you - when that capital could have returned several folds in profits over the entire duration that this lender made their capital available to you to be repaying in little small bits.

Assumptions:

1 We assume a no down-payment mortgage for the example table above.

....

RATE BENCHMARKS

Several rate guidance go into our mortgage rates

Policy Rate

All our mortgage rates are benchmarked against the Bank of England (BoE), in a jurisdiction where almost all our patient capital re raised, and not the Bank of Ghana (BoG) policy rates.

Savings Interest Rate Guage

With savings rate within 0.50% and 5.00%, for Ghana and the UK, we're better off making our reserves useful to our property buyers than just storing it away.

DCANS MORTGAGE PLATFORM OBJECTIVES

Our main objects for the DCANS Mortgage Platform is to fast-track the sale of all properties built-for sale by group-owned developers, without the prospective buyer being held back by expensive mortgage products from the traditional banks.

QUALITY DATABASE AGGREGATION

This offers the DCANS Ecosystem the opportunity to market other products and services to known generally responsble customer base, than new onboarding.

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