Ghana’s 2026 Budget introduced many important reforms, but one announcement stands out for the real estate industry. The government is establishing a Women’s Development Bank with an initial capital of four hundred million cedis. This new institution has the potential to reshape homeownership and business financing for women across the country.
For years, women in Ghana have faced higher barriers when applying for mortgages or business loans. Many properties are registered in male names, and banks often require collateral that women may not have. The new Women’s Development Bank is designed to close this gap. It will provide women with easier access to credit, long term financing, and specialised products that fit their realities.
Although full details will be released when the bank is launched, international examples and Ghana’s own development banking model allow us to understand what this bank is likely to offer. Women can expect more accessible mortgage products, lower deposit requirements, and flexible payment plans. Single mothers, young professional women, and women entrepreneurs will all benefit from this shift. For many, this will be the first time they can independently secure a mortgage or start a business without traditional collateral.
For the real estate sector this is a major turning point. Increased access to credit always translates into increased homeownership. When women have easier financing, demand for two and three bedroom homes rises. Communities with strong security features, green spaces, and family focused designs become more attractive. Developers who understand the needs of women buyers are the ones who will grow the fastest in the coming years.
At The Greens we see this as an opportunity to support the next generation of women homeowners. Our communities already attract a significant number of professional women and families who want safety, comfort, and long term value. The introduction of the Women’s Development Bank will make it even easier for them to invest in a home. It allows us to explore new partnerships with financial institutions, develop flexible payment packages, and design products that support women at different stages of life.
The implications go beyond homeownership. Women dominate many sectors of Ghana’s economy, yet they are underrepresented in property ownership. Closing this gap is good for families, good for communities, and good for the entire housing ecosystem. A woman who owns her home builds stability for her children, contributes to neighbourhood development, and strengthens the economic fabric of the country.
The Greens will continue to follow this development closely, and as more information becomes available, we will explore how best to collaborate with the new bank to serve our customers. Housing is not just a financial investment. It is a pathway to confidence, dignity, and independence. The Women’s Development Bank is a powerful step toward making that pathway more accessible for women across Ghana.
If you would like support understanding mortgage options or planning a future home purchase our team is always ready to guide you. The future of homeownership is becoming more inclusive, and we are excited to be part of this transformation.
