Our Products: What do we offer?

Ghana Home Loans focuses exclusively on home finance thereby making it possible for us to offer our clients competitive pricing, innovative products, good professional advice, and first class customer service.

Ghana Home Loans currently offers the following type of mortgage products:

  1. First Time Buyers
  2. Buy to Let
  3. Equity Release
  4. Refinance
  5. Home Completion
  • First Time Home Buyers: Applicants looking to buy their very first home. These are typically individuals or young couples (joint applicants) looking to establish a home. Applicants will be required to contribute at least 25% of the property value towards the purchase.

Target: Borrowers looking to acquire their first property

Interest Rate: Fixed or Variable

Maximum Loan: subject to credit profile

Maximum Term: 15*

Loan to Value:  up to 75%

Minimum Deposit: 25%

Facility Fee: 1%

Processing Fee: $200** (or Cedi equivalent)

Conditions: The property must be owner occupied

  • Buy to Let: Applicants who already own a home but wish to buy another property for the sole purpose of renting it out to tenants

Target: Existing home owners looking to acquire second investment property

Interest Rate: Fixed or Variable

Maximum Loan: subject to credit profile

Maximum Term: 15*

Loan to Value: up to 75%

Minimum Deposit: 25%

Facility Fee: 1%

Processing Fee: $200**

Conditions: Evidence that rental revenue can cover monthly mortgage payments or Payment to Income ratio of 40%

  • Equity Release: Applicants who own their homes outright but wish to borrow on a long term basis to expand their business, undertake home improvements / expansion, pay overseas school fees etc using their home as collateral

Target: Existing property owners looking to borrow against their homes

Interest Rate: Fixed or Variable

Maximum Loan: $100,000

Maximum Term: 15*

Loan to Value: up to 40%

Facility Fee 1%

Processing Fee $200**

Conditions Borrower must demonstrate evidence of ownership in the form of clear title and/or existing mortgage documents

  • Refinance (Switch): Some applicants may have an existing mortgage with another provider but wish to switch to Ghana Home Loans to benefit from our competitive rates and quality customer service
  • Home Completion Loan:If you are building property that is at gable level or beyond, Ghana Home Loans can help you finish your dream home.