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.
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.
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:
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
Max of 20 years
Purchase of residential house only
GHS, USD, GBP
Up to 100% of property price
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
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.
Competitive, custom rates.
Purchase your property from a preferred real estate company, or private seller.
We can provide potential borrowers access to two different home construction loan products:
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
Max of 20 years
To complete or construct your home
GHS, USD, GBP
Up to 66% of property value
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
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.
Competitive, custom rates.
Flexibility to choose your preferred Contractor Flexibility to provide your own Bill of Quantities and Architectural drawings.
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.
In addition to the Land Purchase Loan, you may also apply for a Home Construction Loan to build on the land.
In addition to the Land Purchase Loan, you may also apply for a Home Construction Loan to build on the land.
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
Max of 10 years
To purchase land for residential purposes only
GHS, USD, GBP
Up to 75% of the price of land
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
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.
Competitive, custom rates.
We can provide potential borrowers access to two different home loan products:
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.
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.
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.
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.
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
Max of 20 years
To finance personal obligations.
GHS, USD, GBP
Up to 60% of property value
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
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.
Competitive, custom rates.
We can provide potential borrowers access to two different types of Home Refinance Loan products:
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
Max of 20 years
To switch existing financial obligations from another financial institution to our provider.
GHS, USD, GBP
Up to 75% of property value
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
Access to a dedicated Service Representative, to handle all activities in relation to home loan facility.
Competitive, custom rates.
Switch from your existing lender to our provider.
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.
Not more than 40% of your monthly net income may be used to service the loan
Variable / Fixed
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.
Purchase of residential house only
USD
Up to 80% of property price but not exceeding USD 100,000
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.
Application Process
Borrower submits a completed application form with requisite documents.
Our partner Bank will issue a letter of intent (LOI) within 72 hours after receipt of application.
Borrower accepts to proceed by signing and returning the LOI back to our partner Bank.
This paper work is then processed and either accepted or declined. If accepted, a Facility Letter will be issued to the Borrower.
Borrower accepts terms and conditions by signing
and returning the Facility Letter to our partner Bank, and pays closing costs.
Borrower fulfills all pre disbursement conditions, including insurance.
Loan process is closed and disbursed.
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.
Competitive, custom rates.
Save to demonstrate your ability to access and service a home loan
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