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Onshore (Cash and Draft Rates):GBP / GHS = Bid: 6.0810 Offer: 6.4787EUR / GHS = Bid: 5.4679 Offer: 5.7434USD / GHS = Bid: 4.8350 Offer: 5.0140Offshore (Transfer/Inflows):GBP / GHS = Bid: 6.0810 Offer: 6.4687EUR / GHS = Bid: 5.4679 Offer: 5.7334USD / GHS = Bid: 4.8350 Offer: 4.9990


No minimum deposit? No problem.

This product serves your needs if you are looking to buy your first home and cannot afford to raise the minimum deposit. You can apply for a 100% (0% deposit) purchase mortgage from GHL Bank to buy a property.

facts you should know


The product has two phases: Savings and Mortgage. Prospective applicants will be required to make regular payments into a savings account, equivalent to the projected monthly repayment under a future loan amount over periods ranging between 12 months and 24 months. Once an applicant satisfies the savings requirements over the agreed period, the mortgage will be disbursed. Your mortgage will be disbursed for a term up to 15 years.

What's in it for you?

The product enables individuals to provide evidence of a sustainable source of primary or secondary income to support their borrowing request. Applicants have a great opportunity to demonstrate the ability to service a mortgage during the savings phase of the product. What’s more, the savings accrue interests whilst you wait for your future home to be ready.


Applicants will be required to complete the savings phase of the product successfully. Applicants will be required to meet all other existing standard conditions of lending spelt out by GHL Bank. The client’s pension company will issue a guarantee to GHL Bank as a secondary security. Property must be residential. Applicant must pay off the loan before their 60th birthday

Looking For The Right Mortgage Product For You?

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What we need from you

  1. 2 recent passport pictures
  2. 3 months recent pay slips/other sources of income
  3. Proof of Identity – Two (2) forms of identity (passport, license, etc.)
  4. 3 months recent bank statements
  5. Proof of address (2 different utility bills/ tenancy agreements etc.)
  6. Bill of quantities
  7. Credit report (Experian/ Equifax/Transunion) – Non-Resident Applicants
  8. Building permit & planning permission
  9. Picture of the property (Home completion)


Other requirements if you are self-Employed

  1. Certificate of incorporation and certificate to commence business
  2. 3 years audited financial statements
  3. Company code: Limited liability companies- Form 3 & 4 and Sole proprietors- Form A
  4. 3 years company bank statement & 1 year personal bank statement (if applicable)