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.

Our mortgage facilities typically have the following features:

Repayment period - up to 20 years

Currency - USD or GHC

Fees and charges - applicants have the option of paying these upfront or capitalising a greater proportion of the total amount due.  Both options are provided in the initial Letter of Intent which the applicant should receive from Ghana Home Loans within 48 hours of submitting their request.  The upfront obligations include

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

First Time Buyer - 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;

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.  Applicants will be required to make a downpayment as their contribution to the purchase;

Equity Release - Applicants who own their homes outright but wish to borrow on a long term basis using their home as collateral to expand their business, undertake home improvements / expansion, pay overseas school fees etc.  No downpayment is required for this type of mortgage.  Furthermore, all fees and charges can be capitalised (added to the loan) to make it easier for the borrower; 

Refinance - 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.  The Refinance mortgage provides an opportunity to transfer the loan to Ghana Home Loans;

Home Completion / Home Construction - In order to build or complete the construction of their future home, an applicant should consider the Home Completion / Home Construction mortgage.  This is a two part loan which comprises an initial 1 year construction loan followed by a mortgage loan of up to 20 years. Again, all upfront fees and charges can be capitalised to ease the financial burden on the applicant