Unlocking Homeownership: Top Mortgage Providers in Ghana

mortgage in ghana

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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 providers in ghana - thegreensgh

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. 


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


Mortgage Providers in Ghana

If you’re considering obtaining a mortgage for your dream home in Ghana, it’s essential to know the leading mortgage providers in the country. These financial institutions play a crucial role in making homeownership a reality for many Ghanaians. Let’s explore some of the prominent mortgage providers and the services they offer


Cal Bank is a leading Ghanaian bank dedicated to addressing local issues facing businesses, corporate institutions, the government, and individuals. To be eligible for a Cal Bank mortgage, you must be between the ages of 21 and 55.


On July 5, 2020, First National Bank (FNB) acquired Ghana Home Loans and became the country’s leading mortgage lender. FNB provides a wide range of services, including mortgages for home purchases, home construction, and land purchases. The bank will pay up to 80% of the purchase price of a home and 75% of the purchase price of land (serviced plot).


On July 5, 2020, First National Bank (FNB) acquired Ghana Home Loans and became the country’s leading mortgage lender. FNB provides a wide range of services, including mortgages for home purchases, home construction, and land purchases. The bank offers up to 80% financing for home purchases and 75% for land (serviced plots).


With a 70-year history, United Bank of Africa is one of Nigeria’s most prominent banking brands. UBA’s operations extend to over 20 African countries, including Ghana. They offer various financial services, including mortgages, to help you achieve your homeownership goals.


Absa Bank Ghana Limited aspires to be Africa’s pride as an African financial institution. They offer a wide range of financial services, including mortgages for home purchase, equity release, home improvement, and more. The bank provides financing of up to 90% of a home’s purchase price and up to 70% for equity release and home improvement projects.


Ecobank is a commercial bank licensed by the Bank of Ghana, with over 1,200 branches across 33 countries. They offer a variety of financial products, including mortgages. The Ecobank mortgage program assists in purchasing or renovating a home, with unique features like enabling pension contributors to become homeowners.


Republic Bank Limited provides various mortgage options, including home purchase mortgages, home equity mortgages, home completion mortgages, and home improvement mortgages. They offer competitive interest rates for different mortgage terms.


Ghanaian individuals and institutional investors own Fidelity Bank, a licensed universal bank. Fidelity’s vision is to become a world-class financial institution that provides superior returns for all stakeholders. They offer mortgage loan services to eligible individuals aged 21 to 60 at the end of the loan term.

Owning a property in Ghana continues to be a profitable investment, and these mortgage providers can help make your dream of homeownership a reality. Whether you aspire to live in a gated community or any desired location, explore the mortgage options offered by these institutions to secure your path to owning a home in Ghana.

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