If you’re planning to buy a home, invest in property, or refinance an existing mortgage in Ghana, this 2025 buyer’s guide will help you choose from the top mortgage providers in Ghana — comparing interest rates, loan terms, special programs, and more. Whether you’re a first-time homebuyer, investor, or part of the diaspora, this article gives you the insight you need to make the right choice.
Why Choosing the Right Mortgage Provider Matters
Mortgages in Ghana can be complex — with varying interest rates, loan terms, currency options (GHS vs USD), financing ratios, and eligibility criteria. The right provider can save you thousands in interest, offer flexible repayment terms, and help you secure your dream home with confidence.
Top Mortgage Providers in Ghana (2025)
Here’s our list of the most trusted and widely used mortgage lenders in Ghana. These institutions have been selected based on market share, product variety, flexibility, and customer reach.
1. First National Bank (FNB Ghana)
Why they stand out:
Largest mortgage market share — about 50% of total mortgages in Ghana. Offers 100% Purchase Mortgage (no down payment for qualifying buyers). Competitive interest rates in USD and GHS with long repayment terms.
Best for: First-time buyers and homeowners with no upfront capital.
2. Republic Bank Ghana PLC
Why they stand out:
Known as one of Ghana’s most established mortgage providers. Winner of “Best in Mortgage Finance” at the GREDA awards. Offers competitive interest rates, flexible repayment options, and targeted diaspora products.
Best for: Homebuyers who want trusted long-standing service and developer partnerships.
3. Absa Bank Ghana
Why they stand out:
Offers high financing ratios — up to 90% in GHS and 80% in USD. Provides comprehensive insurance coverage with mortgage packages. Dedicated diaspora mortgage support available.
Best for: Homebuyers seeking strong protection and diaspora support.
4. Stanbic Bank Ghana
Why they stand out:
Strong developer partnerships across Ghana. Provides employer group mortgage schemes and public service options. Repayment terms up to 20 years with specialised programs.
Best for: Professionals and public-sector buyers looking for long term and structured plans.
5. Ecobank Ghana
Why they stand out:
Offers pension-backed mortgage programs, which can eliminate the down payment for eligible borrowers. Tailored programs for both residents and diaspora clients with flexible terms.
Best for: Buyers with pension assets and those seeking 100% financing alternatives.
6. Fidelity Bank Ghana
Why they stand out:
Known for broad mortgage network and developer relations. Provides home purchase, equity, completion, and improvement loans. Loan terms typically range from 5 to 20 years covering up to 80% of the property value.
Best for: Middle-income buyers and those seeking mortgage flexibility.
7. Societe Generale Ghana
Why they stand out:
Introduced the “Home Sweet Loan” product aimed at expanding homeownership accessibility. Loan tenures from 5 up to 20 years with flexible terms.
Best for: Buyers interested in tailor-made financing solutions with flexible repayment.
How to Choose the Best Mortgage Provider in Ghana
When comparing mortgage lenders, consider these key factors:
Interest Rates & Loan Currency
Mortgages in USD often carry lower rates than those in Ghana Cedis due to inflation and currency risk.
Financing Ratio (Down Payment Required)
Some lenders offer up to 100% financing for eligible borrowers, meaning you may not need a large upfront deposit.
Repayment Term
Longer terms (up to 20 years) can lower monthly payments but may increase interest paid over time.
Eligibility & Documentation
Minimum income proof, employment details, clear property title, and good credit history are essential across most lenders.
Mortgage Tips for Homebuyers in Ghana
- Work with a professional mortgage advisor to compare offers and maximize your financing options.
- Always check whether insurance and legal fees are included or extra.
- Understand whether your loan has fixed or variable interest rates.
- Consider currency risk — especially if your income is in Ghana Cedis but your mortgage is in USD.
Mortgage FAQs
Q: What’s the typical mortgage tenure in Ghana?
A: Most lenders offer terms from 5 up to 20 years, depending on age and income stability.
Q: Can diaspora Ghanaians get mortgages?
A: Yes — especially with banks like First National Bank, Absa, and Ecobank that offer tailored diaspora mortgage solutions.
Conclusion — Your Mortgage Partner Guide for 2025
Choosing the right mortgage provider can be the difference between affordable homeownership and long-term financial strain. From market leaders like FNB Ghana and Republic Bank to innovative options from Absa, Stanbic, and Ecobank, Ghana’s mortgage landscape offers strong options for both residents and diaspora homebuyers.
