mortgage providers

Mortgage Providers in Ghana

Mortgage Providers in GhanaThe days of owning property primarily through inheritance and years of saving are long gone. For many people, owning a home remains one of the most important obligations of adulthood.

As such, many banks offer new financial and product services that allow customers to acquire completely constructed homes or, better yet, provide a lump sum of funding to customers by allowing them to maintain or purchase a property. Customers or clients who bank with financial institutions that offer loan services can choose between personal loans and mortgages based on their financial situation.

However, before finalising the deal, seeking advice on the mortgage requirements is highly recommended.

The mortgage companies in Ghana and their requirements are listed below for individuals looking to begin the journey of purchasing a home for sale in Accra.  



The following are essential requirements for salaried workers who want to finance a home with mortgage loans. Requirements may vary depending on the bank’s customers or clients who qualify for mortgages.


  • 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 licences, permits, and so on.
  • Map with directions to the business location


Cal Bank is one of Ghana’s leading banks, dedicated to addressing local issues confronting Ghanaian 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.

First National Bank (FNB) acquired Ghana Home Loans on July 5, 2020, and is now the country’s leading mortgage lender. FNB offers a variety of services, including home purchase mortgages, home construction mortgages, and land purchase mortgages. The bank will cover up to 80% of the cost of a house and 75% of the cost of land (serviced plot).

United Bank of Africa has a 70-year history and is one of Nigeria’s leading and most recognised banking brands. UBA has expanding operations in over 20 African countries, the United States, the United Kingdom, and France, with Ghana being no exception.

    The purpose of the home financing product is to enable customers to purchase fully developed properties by providing financial assistance for completed properties in affluent areas where properties command high prices.
    Equity Release simply provides customers with lump-sum financing by allowing them to keep use of their properties while utilising the equity built up in those properties as loans for unrestricted purposes.

A Republic Bank mortgage loan can help you buy your dream home. Customers and individuals can choose from home purchase mortgages, home equity mortgages, home completion mortgages, and home improvement mortgages, as with other banks.

Furthermore, according to their website, mortgages up to 10 years equal 21% variable, while mortgages between 10 and 20 years equal 22% variable.

Absa Bank Ghana Limited is an African financial institution that aspires to be Africa’s pride. The bank offers a variety of financial services, including home loans. 

Getting a mortgage to buy or own a home; borrowing against a home you own with an equity release; a home loan to improve and/or renovate, and purchasing your mortgage from other financial institutions are among the home loan services provided.

The bank provides up to 90% financing for home purchases and up to 70% financing for equity release and home improvement projects.

The Pan African Bank is a commercial bank licenced by the Bank of Ghana that operates more than 1,200 branches in 33 countries. Loans, savings, investments, debit cards, credit cards, and mortgages are examples of product services.

An Ecobank mortgage loan can help you buy or renovate a home. The home mortgage programme also allows tier 2 and 3 pension contributors to become homeowners and to own their own homes during their working years. The client pays 20% of the property’s cost, with the bank covering the remaining 80%. The loan’s interest rates are determined by factors such as the client’s salary and risk.

Ghanaian individuals and institutional investors own Fidelity Bank, a licenced universal bank. Fidelity’s vision is to become a world-class financial institution that provides superior returns for all stakeholders, despite its reputable position as the seventh largest bank in Ghana in terms of assets.

Mortgage loan services are available to people who are employed, over the age of 21, and under the age of 60 at the end of the loan term. Customers who work for any fidelity profiled organisation or who are self-employed and have verifiable consistent income flows are both eligible. 

Purchase or construct the home of your dreams with a mortgage loan from Stanbic Bank that is paid back over time. The services are tailored to meet the needs of developers, home buyers, equity release, refinancing, and home improvement, to name a few.

Stanbic Bank is a leading Africa-focused financial services organisation that adds value to the social, economic, and environmental growth of the continent.


Owning a property in Ghana continues to be a profitable investment for the majority, as the country has one of the highest investment returns among Africa’s many countries. As a result, mortgage loans aid in the process of purchasing a home of any type and location, including gated communities.

If you want to buy a four or five bedroom detached house in Ghana, go to The Greens Investment Properties.