When it comes to securing your dream home, understanding the landscape of Mortgage Providers in Ghana is essential. The days of acquiring real estate primarily through inheritance and years of saving are long gone. For many people, owning a home is still one of the most important adult responsibilities.
However, before finalizing the transaction, it is strongly advised to seek mortgage advice.
Mortgage in Ghana has its own set of requirements, which are listed below for those looking to start the process of buying mortgage houses for sale in Ghana.
MORTGAGE REQUIREMENTS (SALARIED WORKERS)
Salary workers who want to finance a home with mortgage loans must meet the requirements listed below. The mortgage requirements of the bank’s customers or clients may differ.

- Application Form Completion by Applicant
- Proof of Income
- Income certification from the employer
- The employer agrees to route salary through the preferred bank for a mortgage loan and to notify the bank if an employee resigns or is fired.
- Proof of residency (utility bill/residence directions)
- Personal bank statement for the previous six months
- Identity verification
- One or two current passport-size photographs
- The proposed property’s site plan and land title document
- Incorporation Certificate
- Personnel in positions of power
- 3 years of audited financial and management accounts
- Cash Flow Forecasts (with assumptions and covering the borrowing period)
- Bank Other bankers’ statements
- Proof of regulatory licenses, permits, and so on.
- Map with directions to the business location