Mortgage Opportunities in Ghana

Mortgage Opportunities in Ghana

If you are looking for a way to finance your dream home in Ghana, you might want to consider applying for a mortgage. A mortgage is a loan that you can use to buy, build or renovate a property, and pay it back over a period of time with interest. There are several mortgage opportunities in Ghana that anyone can take advantage of once they meet the necessary requirements. 

In this blog post, we will explore some of the mortgage opportunities in Ghana and how you can access them as well as the mortgage in Ghana interest rates to help you plan for your home purchase.

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There are several mortgage providers in Ghana that offer different products and services to suit your needs and preferences. Some of the top mortgage providers in Ghana are:

Stanbic Bank

Stanbic Bank offers a range of mortgage products, such as home purchase, developer construction, employer group mortgage schemes, equity release, home improvements and refinancing. Stanbic Bank also has flexible repayment terms of up to 20 years and competitive interest rates. You can apply for a Stanbic Bank mortgage online or visit any of their branches across the country. Stanbic bank Ghana mortgage rates are very competitive and can be accessed by any qualified person.


Absa can help you own a home, borrow against a home you own, or upgrade your current home. Absa also offers you the option to take over your home loan from another financial institution. Absa has a convenient and fast application process and attractive interest rates. You can contact Absa through their website or call center to find out more about their mortgage options.

Cal Bank

Cal Bank is one of the best mortgage providers in Ghana, with a focus on affordable housing. Cal Bank offers mortgages for low to middle-income earners who want to buy or build their own homes. Cal Bank also partners with reputable real estate developers to provide quality housing units for their customers. You can apply for a Cal Bank mortgage online or visit any of their branches nationwide.

First National Bank

First National Bank is a leading mortgage provider in Ghana, formerly known as Ghana Home Loans. First National Bank offers mortgages for various purposes, such as buying a new home, buying land, building a home, renovating a home or switching your existing mortgage. First National Bank has competitive interest rates and flexible repayment terms of up to 20 years. You can apply for a First National Bank mortgage online or visit their head office in Accra.

READ ALSO: What To Expect When Buying A House In Ghana

Republic Bank

Republic Bank is another reliable mortgage provider in Ghana, formerly known as HFC Bank. Republic Bank offers mortgages for buying, building or improving your home. Republic Bank also has special products for diaspora customers who want to invest in property in Ghana. Republic Bank has affordable interest rates and long repayment periods of up to 25 years. You can apply for a Republic Bank mortgage online or visit any of their branches across the country.


Ecobank is a pan-African bank that offers mortgages for customers in Ghana and other African countries. Ecobank offers mortgages for buying or building your home, as well as refinancing your existing mortgage. Ecobank has competitive interest rates and flexible repayment terms of up to 15 years. You can apply for an Ecobank mortgage online or visit any of their branches in Ghana. They also have a mortgage calculator for Ghana which can be useful for people who are not too conversant with mortgages in Ghana. Ecobank Ghana mortgage rates are said to be one of the best you can find in the country so do give them a call.

Requirements for a Mortgage in Ghana

To apply for a mortgage in Ghana, you will need to meet some requirements, such as:

  • Having a steady source of income
  • Having a good credit history
  • Having a valid identification document
  • Having a proof of address
  • Having a valuation report of the property
  • Having a title deed or land certificate of the property
  • Having a down payment of at least 10% of the property value

Depending on the mortgage provider and product you choose, you may also need to provide other documents, such as:

  • A letter of offer from the seller or developer
  • A building plan or permit
  • A payslip or bank statement
  • A tax clearance certificate
  • A passport photo

READ ALSO: Find a home in Ghana

Mortgage opportunities in Ghana are abundant and accessible for anyone who wants to own a home in this beautiful country. By doing some research and comparing different options, you can find the best mortgage deal that suits your budget and needs. You can also search for affordable homes to buy in Ghana through this website.

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