## Getting a Mortgage in Ghana: A Step-by-Step Guide Homeownership through mortgage financing is increasingly accessible in Ghana. Here is everything you need to know. ### Which Banks Offer Mortgages? - **GCB Bank**: Up to 20-year terms, competitive rates starting from 18% - **Stanbic Bank**: Fast processing, popular with salaried professionals - **Cal Bank**: Strong in Kumasi and Takoradi markets - **Absa Ghana**: Diaspora mortgage product for overseas Ghanaians ### Key Requirements 1. **Proof of income**: 3 months payslips or 2 years audited accounts (self-employed) 2. **Valid Ghana Card or passport** 3. **Property valuation report** from an accredited valuer 4. **Title deed** or site plan of the property 5. **Equity deposit**: Minimum 15–25% depending on the bank ### Tips to Improve Your Application - Maintain a clean credit record — avoid defaults for 12 months prior - Reduce existing loan obligations before applying - Get a formal job letter confirming employment tenure *Begye Akazon partners with multiple mortgage providers and can refer you to the right product for your situation.*