How Can We Help You?
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.
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:
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
- Property must be for residential use.
- 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
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.
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:
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
- Property must be for residential use.
- 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
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.
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.
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
- Property must be for residential use.
- 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.
- Land must be serviced (mapped road network, water, electricity).
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.
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:
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
- Property must be for residential use.
- 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.
- Use of funds must be acceptable to Provider.
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.
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:
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
- Property must be for residential use.
- 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.
- Borrower must have a satisfactory repayment history on existing loan with the original lender.
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.
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
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
- Property must be for residential use.
- 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.
- Borrower must have shown a satisfactory repayment ability, based on the savings behavior during the savings phase.
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.
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
Contact Info
Osu Crescent Nyaniba Estates, Osu Accra, Ghana P.O. BOX CT 11298
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