Top 10 Mortgage loan in Ghana (2021)

Top 10 Mortgage loan in Ghana (2021)

If you are looking for how to have access to mortgage loans in Ghana, this guide is for you.

A home is always a place of abode and rest. No matter the nature of the work you do; you are still going to a place called home.

Top 10 Mortgage Loan In Ghana In 2021

Many people desire to live in a comfortable home where they can be fine and be free from any threats and because of these reasons, many keep saving money until they got their own desired house.

Building a very good comfortable home does take lots of saved money.  Many who have the vision of building a nice home do lose focus and are easily discouraged because of financial difficulties. Never give up on that dream house because you can acquire a home of your dream through mortgages.

Mortgages simply mean an agreement by which financial institutions lend you money to buy and a home and you then you forestall the money over a particular number of years in certain instalments.

Here in Ghana, there are some financial institutions that help to secure and acquire that dream home without any problem.

The interesting part of it is that any financial institution you wish to apply for mortgages, you can repay by the number of years you and the financial institutions agreed upon.

All these financial Institutions provided different variations for anyone who wants to apply for home loans. Here are the different offers created.

  1. Home Purchase Mortgage (HPM): HPM provides opportunities for individuals or companies to purchase their dreamed house via lending money. The loan term is normally up to 15 years or more depending on the condition that is signed.
  2. Home Improvement Mortgage (HIM): This type of loan is specially designed for existing customers to improve their property/house.
  3. Home Completion Mortgage (HCM): HCM is a type of home loan that is needed to complete the construction of the house.
  4. Home Equality Mortgage (HEM): is a type of home loan that is available for people or companies who have already have a home or properties. The maximum term for payback depend on the financial Institution and it usually takes up to 15 years.

Here is a list of home loaners in Ghana:

  1. Republic Bank
  2. Omni Bank
  3. Fidelity Bank
  4. Societe Generate Ghana
  5. GHL Bank
  6. CALBank
  7. Dalex Financing
  8. Bond Financial Services
  9. Housing Finance Market (HFN)
  10. HFC Bank

It is formally named Republic Holding and recently changed to Republic Bank in 2018. They started operation in 1991. Republic Bank has financed over 300 house loans in Ghana. The maximum terms of loans at Republic Bank take up to 20 years or more.

The loan amount in Republic Bank is not more than GH¢25, 000. However, it may be greater depending on the types of houses the person needed.

Republic Bank offers about 6 home loans product in order to make it convenient for their customers. Some includes:

  1. Home Purchase Mortgage (HPM)
  2. Republic Bank Employer Assisted Loan Scheme
  3. Home Equality Loan
  4. Home Improvement Mortgage
  5. Public Sector Employee Home Scheme(PS Home)
  6. Buy, Build and Own a Home (BHome)

Republic Bank also offers Construction and Home Completion loans.

For more details, you can get in touch with Republic Bank

Via 030 2 242090/4, email:


Omni Bank home is unlike other mortgage institution. It is quite expensive because they are priced in foreign currency. Omni Bank has a program called OmniHome which is many designed to loan money to house buyers. Their home price starts from as low as GH¢80,000.00.

OmniBank mortgage product includes

  1. Home Purchase
  2. Home Improvement/Completion
  3. Refinancing
  4. Mortgage Schemes

For more details, you can get in touch with Omni Bank

Via 0307  086 000 email:


Fidelity Bank is a leading Financial Institution in Ghana an that offers a range of financial services such as personal banking as well as mortgages.

In order to request a home loan with Fidelity bank, you must be their customer for up to 3 months. The minimum loan you can apply is $20, 000 and the maximum is GH¢400,000.

The duration of paying the loans ranges from 5 to 20 years depending on the mortgage. Fidelity bank has age specifications before applying for a home loan. The age ranges from 21-55.

Fidelity Bank mortgage product includes

  1. Home Purchase
  2. Home Equity
  3. Home Completion
  4. Home Improvement

For more details, you can get in touch with Fidelity Bank

Via: 3355(toll-free), or email:


Societe Generale  is the most home loners in Ghana. The financial institution is majorly created for mortgages, securing properties, home improvement and home furnishing.

Societe Generale mortgage product includes

  1. Happy Home Loan
  2. Home Improvement Loan

For more details, you can get in touch with Societe Generale Ghana

Via: +233-(0)302-214 314,


GHL Bank is Ghana’s leading provider of home loan financing. It is formally known as Ghana Home Loans Business. Home financing, Home improvement, Home secure and Home Development has always been the major concern of GHL Bank.

GHL Bank offers about 11 different types of mortgage available to their customers. Here are:

GHL Bank mortgage product includes

  1. Land Purchase Mortgage
  2. Home Improvement and completion Mortgages
  3. Home Construction Mortgage
  4. Purchase Mortgages (First Time, 100% Buy-to-Let)
  5. Save to own Mortgage
  6. Release Mortgage
  7. Refinance Mortgage and Quick cash

For more details, you can get in touch with GHL Bank

Via:0302 770 522 024 243 6777,


Calbank makes it easier for anyone who wants to apply for home loans. Their terms and condition are very easy and affordable for anyone who wants to apply. And they payment tenure is up to 5-15 years.

The minimum age before applying is up to 21 and maximum to 55 years.

CalBank mortgage product includes

  1. Home Purchase
  2. Home Completion
  3. Home Improvement
  4. Equity Release

For more details, you can get in touch with CalBank

Via: 0302 680 062 0302, email:

Other home loan institution in Ghana Includes:

  1. Dalex Financing
  2. Bond Financial Services
  3. Housing Finance Market (HFN)
  4. HFC Bank

We hope you find the list of Top mortgage providers in Ghana, useful. If you have any contribution you’re welcome to use the comment section below the fold.

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