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

Why Us

We're set out to provide awesome mortgage lending experience to qualified borrowers that your bank of many years has failed to deliver.

 

No Upfront Fees

No Upfront Fees or Application Fees apply when buying from any our in-house Developers / Builders / Providers. Restrictions apply. Learn more.

 

Low Lending Rates

Several tax, legal and operational strategies are employed to maintain a maximum annual lending rate of 12.00%. Our uniquely Seller-Financed Mortgages which does not require regulation strips our service off the needless regulatory cost of providing affordable home loans to low income borrowers without providing subprime mortgages or compromising on quality homes. Learn more.

 

Non-deposit Taking Direct Lender

DCANS Mortgage is a specialised dedicated non-bank non-deposit taking direct mortgage lending platform.

 

No Closing Cost Mortgages

Closing costs are settlement costs and fees you pay to us (or any other mortgage lender if applying elsewhere) in exchange for finalizing your loan. Some common closing costs include appraisal fees, loan origination fees and inspection fees. The specific costs you’ll need to cover depend on your location and property type. Closing costs usually equal 3% – 6% of the total value of your loan. To make mortgage buying uptake a better experience for qualified Ghanaians for the biggest lifetime purchase, with us, some or all closing costs may be added to the loan amount itself. Learn more.

 


 

Related Pages

How We Operate

Residential Mortgages

Buy-to-Let Mortgages

Commercial 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.