If you’re thinking of buying land or property in Ghana, especially in growing communities like The Greens Estate in Tema, one of the most important concepts to understand is the difference between freehold and leasehold ownership. These two terms determine how long you can legally own a piece of land — and can impact everything from your resale value to inheritance planning.
Let’s break it all down so you can make an informed decision that aligns with your goals.
What is Freehold?
A freehold title means that you own the land and any property on it outright — permanently. You have the legal right to use the land for any lawful purpose and pass it down through generations.
ᐧ Advantages of Freehold:
ᐧ Full ownership with no expiration date.
ᐧ You can sell, lease, or transfer the land at any time.
ᐧ Ideal for long-term family legacies or agricultural projects.
ᐧ Considerations:
ᐧ Freehold land is rare in Ghana, especially in urban or peri-urban areas.
Note, the Land Act, 2020 (Act 1036) section 9(2) prohibits new freehold for stool, clan and family lands. However, Freehold is still allowed for citizens under these context
ᐧ State land (if granted by the President through Executive Instrument).
ᐧ Private land (i.e., land previously owned under common-law by individuals or companies).
ᐧ Previously acquired freeholds (e.g., family land granted before Act 1036) — these remain valid unless converted or extinguished.
What is Leasehold?
A leasehold title gives you the right to use land for a fixed number of years — most commonly 50 to 99 years — after which it reverts back to the original owner unless renewed.
ᐧ Advantages of Leasehold:
ᐧ Common in urban areas and gated communities.
ᐧ Easier to document and register.
ᐧ Often comes with development infrastructure.
ᐧ Considerations:
ᐧ You’re not buying the land permanently.
ᐧ Lease renewal terms should be clearly understood upfront.
ᐧ May come with usage restrictions depending on the lease agreement.
🌍 How It Works for Foreigners
According to Ghanaian law, foreigners are not permitted to own freehold land. They can, however, acquire property through leasehold agreements, typically up to 50 years for non-citizens, with the possibility of renewal. This ensures they can still invest and live in Ghana legally, while adhering to land use and ownership laws.
Foreigners interested in investing should work with trusted legal counsel and ensure all lease agreements are registered with the Lands Commission. Buying from reputable estates like The Greens ensures transparency and security in the process.
🏙️ Urban Ghana is Mostly Leasehold
In modern, master-planned communities like The Greens Estate in Community 25, Tema, homes are sold under leasehold arrangements, This is the standard in many estates and cities across Ghana — and it doesn’t reduce the security of your ownership if all documentation is clear and the property is properly registered.
🧭 Which One Should You Choose?
Here’s a quick guide based on your needs:
ᐧ Building a long-term family home: Freehold (if available) or 99-year Leasehold
ᐧ Buying in a gated estate or city: Leasehold
ᐧ Looking for resale or rental potential: Either, with strong documentation
ᐧ Prioritizing legal safety: Leasehold with registered land title
✅ Final Thoughts
Whether you choose freehold or leasehold, the most important thing is doing proper due diligence. Consult a property lawyer, verify ownership with the Lands Commission, and ensure all paperwork is legitimate.
If you’re looking for a safe and beautifully planned estate to invest in, The Greens Ghana offers homes in a serene, eco-conscious community — ideal for both returnees and first-time homeowners.
📍 Visit Us: The Greens Estate, Community 25, Tema
📞 Let’s Talk: +233 54‑010‑2102
Make smart choices. Build where it feels like home.
