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

Applicable Fees & Charges

Buying a home with a mortgage obviously come with fees and charges. Even before you move in, the mortgage application process can come with a number of unexpected fees. The application itself can run anywhere from $300 to $500. Then there’s home inspection fees, appraisal fees, origination fees, and sometimes private mortgage insurance (when providing less than 20% down-payment) as well. Many of these things are tacked on in various parts of the process from the beginning to closing.

 How we treat applicable fees and charges varies when buying from any of our in-house providers as against qualified external providers.

 

WHEN BUYING FROM IN-HOUSE PROVIDERS:

 There are no upfront fees or cost when buying from any of our in-house providers. Any applicable fees and charges are only due at closing, or can even be added to the loan amount for repayment.

 

FEES / CHARGES
 Search Fees
 Product Fees
 Legal Fees
AMOUNT
 None
 GHS5,000 + 1.25%
 
DETAILS
 N/A
 Due at Completion, or can be added to the Loan Amount at Closing
 

 

 

 

WHEN BUYING FROM EXTERNAL PROVIDERS:

 Upfront Search Fees apply when you are buying from an external provider. This is to enable us ascertain the veracity of submitted land title/deed and unencumbered status. We do the following searches and verifications when buying from a qualified external provider: Land Title / Deed (Ownership Verification), BoG Collateral Registry (Unencumbered), Court Registry Search (Non-Litigation).

We may also do the following verifications: Flood report on provide location, Earthquake-prone status, Building Permit, Contamination (Metals and other poisonous substances).

We always advise prospective borrowers to do these searches and verifications themselves being committing any fees to us carry out those due diligence processes, as those third-party fees are not refundable by those statutory bodies.

FEES / CHARGES
 Search Fees
 Product Fees
 Legal Fees
AMOUNT
 GHS2,000 for residential owner-occupiers (GHS3,000 For all non-owner occupiers, residential/commercial)
 GHS5,000 + 1.25%
 
DETAILS
 Required Upfront Before Searches Can Be Initiated
 Due at Completion, or can be added to the Loan Amount at Closing in part or in whole.
 

..

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). Terms, conditions and rules 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 mortgages are structured as Seller-Financed Mortgages (SFM) and where applicable, as Commercial Mortgages, which do not require Bank of Ghana (BoG) regulation. Legal & Compliance Provided by TLA Firm & Ghanaian Partners. For more details, see Regulation & Compliance.

© 2021 DCANS Mortgage, Ghana, affiliated to DCANS Mortgage UK (FCA-Compliant), Proprietary Trading Firm DCANS FX, Ghana's Biggest BNPL Provider DCANS Pay, UK's One-Stop Earned Wages Provider Quid Pay, No Upfront Fee Non-Deposit Taking Direct Platform Lenders Sikamaster Loans (Ghana) & Quidmaster Loans (UK), UK-based Remittance Platform to Africa & Beyond Moneyafrique, TDG Startup Ecosystem Funders [GhanaStartups.org ++ UKStartups.net ++ EUStartups.net] and DCANS Capital Limited (CRN: 07970200), are all part of the AML-Compliant TDG GLOBAL CREDIT SYSTEM of The DCANS Group (TDG) Limited (Registered in England & Wales, CRN: 12645872, VAT #: GB 157 9161 82), but dual-headquartered in Ghana & the UK.

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