Introduction

If you’re looking to buy land in Ghana, especially from abroad, one phrase should always catch your eye: titled land. But what does that really mean? And how does it protect you from scams, double sales, or future court cases?

Introduction

You don’t have to pay everything upfront to own property in Ghana. In fact, more diaspora buyers are now using mortgages and flexible payment plans to secure their dream homes. Here’s how it works — and what you need to know before applying.

1. Can Ghanaians Abroad Get Mortgages?

Yes, several banks and property developers in Ghana offer mortgage options specifically designed for the diaspora. Whether you live in the UK, the US, Canada, or elsewhere, you can apply using your foreign income, as long as you meet certain requirements.

2. Who Offers Diaspora Mortgages in Ghana?

Some trusted institutions include:

• Republic Bank Ghana – Known for its Diaspora Mortgage Program

• Stanbic Bank Ghana

• First National Bank (FNB) Ghana

• Ecobank Ghana

• Rehoboth Social Housing – Offers flexible in-house payment plans tailored for Ghanaians abroad

3. What Are the Requirements?

Each provider is different, but common requirements include:

• Valid Ghanaian passport or national ID

• Proof of income (3–6 months' payslips or bank statements)

• Credit history (can be from your country of residence)

• Down payment (often 20–30%)

• Property documents or an agreement with a registered developer

4. How the Process Works

Step 1: Choose a property
Step 2: Apply for a mortgage or payment plan
Step 3: Submit required documents
Step 4: The Bank or developer assesses your eligibility
Step 5: If approved, pay the down payment
Step 6: Begin monthly repayments over the agreed term

5. What Properties Qualify?

Most banks only finance titled properties that are fully registered. That’s why it’s critical to work with trusted developers. Rehoboth’s communities, like Palm Springs and The Havens, are ideal because all homes and lands are litigation-free and fully documented.

Conclusion

Buying a home in Ghana from abroad is now easier than ever, and you don’t need to be a millionaire to do it. Explore your mortgage options, compare providers, and choose a trusted developer who understands your unique needs as a diaspora buyer.