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GET A HOME LOAN NOW!

Our partner bank has enhanced their home loans offerings, allowing us to offer you more!

These products seek to provide financial assistance to anyone looking to purchase, improve or capitalize from their property – whether they are here on Ghanaian soil, or abroad.

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Market leading home loan solutions

We have a loan solution for you

We will help make your dream a reality, whether you are purchasing your first home, building or renovating your own home, or looking for methods to use your property to generate additional money.

We have provide access to the following Home Loan solutions:

Home Purchase Loan

Finding the property you want to buy is the first step on your road to home ownership. The next stage is to negotiate the conditions of the sale with the seller and secure an offer letter for the property after a suitable one has been found. Once you have that, you can use any of our home purchase solutions, depending on your needs, to purchase the property.

Four types of Home Purchase Loan products to prospective borrowers:

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First-time buyer

The concerns of borrowers wishing to purchase their first home are covered by this package. Only people who have never bought a residential property before are eligible for this promotion.
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Home Purchase

This product is made to assist current homeowners in purchasing a second residential house to live in.
 
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100% Purchase

This is a special case of a home loan for first-time buyers. If you live in Ghana and want to purchase your first home but are unable to come up with the required down payment, you can apply for a 100% loan to buy the property. If you were to be approved for this loan, you would be required to obtain a second Collateral Replacement Indemnity (CRI) insurance policy for a minimum of three years, covering up to 30% of the cost of the property.
Ghana flag encircled in a black color

100% Purchase

This is a special case of a home loan for first-time buyers. If you live in Ghana and want to purchase your first home but are unable to come up with the required down payment, you can apply for a 100% loan to buy the property. If you were to be approved for this loan, you would be required to obtain a second Collateral Replacement Indemnity (CRI) insurance policy for a minimum of three years, covering up to 30% of the cost of the property.
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Buy-2-Let

Borrowers who already own a home they now occupy but want to purchase an additional investment property in order to rent it out to tenants are given this product. When determining the loan amount that will be authorised, the potential rental revenue will be included.
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Buy-2-Let

Borrowers who already own a home they now occupy but want to purchase an additional investment property in order to rent it out to tenants are given this product. When determining the loan amount that will be authorised, the potential rental revenue will be included.
Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

Max of 20 years

Purpose of Loan:

Purchase of residential house only

Currency:

GHS, USD, GBP

Maximum Facility Limit:

Up to 100% of property price

Eligibility Criteria
  1. Property must be for residential use.
  2. Seller must be the valid owner of the property, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to Bank.

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to readily available funds to purchase your property. Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Flexibility

Purchase your property from a preferred real estate company, or private seller.

Home Construction Loans

We can provide potential borrowers access to two different home construction loan products:

Home construction

When you already own a piece of land but need money to start building, this service makes it easier for you to build a house. This loan has two parts: a one-year construction loan that is then rolled into a longer-term financing loan.
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Home completion

You can utilise this financing to fund the building of a home. You can apply for this loan to buy roofing supplies as well as windows, doors, tiles, and other finishing products. This loan consists of two parts: a one-year house completion loan that is followed by a long-term financing loan.
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Home completion

You can utilise this financing to fund the building of a home. You can apply for this loan to buy roofing supplies as well as windows, doors, tiles, and other finishing products. This loan consists of two parts: a one-year house completion loan that is followed by a long-term financing loan.
Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

Max of 20 years

Purpose of Loan:

To complete or construct your home

Currency:

GHS, USD, GBP

Maximum Facility Limit:

Up to 66% of property value

Eligibility Criteria
  1. Property must be for residential use.
  2. Borrower must be the valid owner of the property, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to Bank.

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to readily available funds to construct or complete your property. Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Flexibility

Flexibility to choose your preferred Contractor Flexibility to provide your own Bill of Quantities and Architectural drawings.

Land Purchase Loan

This solution meets the needs of borrowers looking to buy land parcels that have previously been serviced and are earmarked for residential use. After agreeing on the conditions of the sale, prospective borrowers only need to identify the land piece and get an offer letter from the vendor. The borrower could then submit an application for a land purchase loan.

Jwest Homeloans Land1

In addition to the Land Purchase Loan, you may also apply for a Home Construction Loan to build on the land.

Jwest Homeloans Land1

In addition to the Land Purchase Loan, you may also apply for a Home Construction Loan to build on the land.

Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

Max of 10 years

Purpose of Loan:

To purchase land for residential purposes only

Currency:

GHS, USD, GBP

Maximum Facility Limit:

Up to 75% of the price of land

Eligibility Criteria
  1. Property must be for residential use.
  2. Borrower must provide evidence/ proof of ownership of the land, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to Bank.
  3. Land must be serviced (mapped road network, water, electricity).

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to readily available funds to purchase your preferred land. Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Home Owner Loans

We can provide potential borrowers access to two different home loan products:

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Equity release

This facility allows homeowners with a proven source of income to borrow money on a long-term basis using their home as security. Existing homeowners in Ghana can gain access to our providers equity release programme for a variety of purposes, such as: 

Pay for college expenses. Finance the growth of their company. Other factors that must first be approved by provider.

A happy couple hugging inside the picture.

Equity release

This facility allows homeowners with a proven source of income to borrow money on a long-term basis using their home as security. Existing homeowners in Ghana can gain access to our providers equity release programme for a variety of purposes, such as: 

Pay for college expenses. Finance the growth of their company. Other factors that must first be approved by provider.

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Home improvement

This option is available to homeowners who have a source(s) of income that can be verified and who want to borrow money on a long-term basis using their home as collateral. The chance to release cash on a property for renovation or expansion is given to current owners.

Two men holding a square solar panel outside the house.

Home improvement

This option is available to homeowners who have a source(s) of income that can be verified and who want to borrow money on a long-term basis using their home as collateral. The chance to release cash on a property for renovation or expansion is given to current owners.

Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

Max of 20 years

Purpose of Loan:

To finance personal obligations.

Currency:

GHS, USD, GBP

Maximum Facility Limit:

Up to 60% of property value

Eligibility Criteria
  1. Property must be for residential use.
  2. Borrower must provide evidence/ proof of ownership of the land, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to Provider.
  3. Use of funds must be acceptable to Provider.

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to readily available funds to finance personal obligations. Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Home Refinance Loans

We can provide potential borrowers access to two different types of Home Refinance Loan products:

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Switch

If someone wants to take advantage of our competitive rates and top-notch customer care, they can transfer their home loan to our provider from another financial institution.
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Refinance

An option for refinancing a non-home loan from another financial institution to our providers if the borrower wants to take advantage of our competitive rates and top-notch customer service.
Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

Max of 20 years

Purpose of Loan:

To switch existing financial obligations from another financial institution to our provider.

Currency:

GHS, USD, GBP

Maximum Facility Limit:

Up to 75% of property value

Eligibility Criteria
  1. Property must be for residential use.
  2. Borrower must provide evidence/ proof of ownership of the land, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to Bank.
  3. Borrower must have a satisfactory repayment history on existing loan with the original lender.

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Flexibility

Switch from your existing lender to our provider.

Save-To-Own

Jwest Homeloans Land

Designed for borrowers who are unable to demonstrate their income per providers requirements

With Save-To-Own, borrowers have a better chance of obtaining a loan by making consistent payments in line with their anticipated monthly repayment value, proving their capacity to repay a mortgage.

These payments will be made over tenure ranging between 12 months and 24 months. Once a borrower satisfies the savings requirement over the agreed tenure and all credit conditions, the home loan will be approved and disbursed.

Features

Repayment to Income:

Not more than 40% of your monthly net income may be used to service the loan

Interest Type:

Variable / Fixed

Tenure:

12 to 24 months for the savings dependent on applicant profiling and the Bank’s under- writing criteria. Up to 20 years for the mortgage, after the savings phase.

Purpose of Loan:

Purchase of residential house only

Currency:

USD

Maximum Facility Limit:

Up to 80% of property price but not exceeding USD 100,000

Facilities Fees:

The amount saved during the savings phase may be used for the payment of facility fees, loan repayment, deposit towards the purchase of the property or any other purpose the applicant may deem fit.

Eligibility Criteria
  1. Property must be for residential use.
  2. Seller must provide proof of ownership of the land, evidenced by Land Title Certificate, or Fully Registered Indenture, or any other document acceptable to provider.
  3. Borrower must have shown a satisfactory repayment ability, based on the savings behavior during the savings phase.

Application Process

Step 1

Borrower submits a completed application form with requisite documents.

Step 2

Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.

Step 3

Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.

Step 4

This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.

Step 5

Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.

Step 6

Borrower fulfills all pre disbursement conditions, including insurance.

Step 7

Loan process is closed and disbursed.

Benefits to You

Access

Access to readily available funds to purchase your property. Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.

Pricing

Competitive, custom rates.

Flexibility

Save to demonstrate your ability to access and service a home loan

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Our company is based on a single premise: the new Africa already exists!

Contact Info

Osu Crescent Nyaniba Estates, Osu Accra, Ghana P.O. BOX CT 11298

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