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Onshore (Cash and Draft Rates):USD / GHS = Bid: 5.2500 Offer: 5.5300GBP / GHS = Bid: 6.2186 Offer: 6.7244EUR / GHS = Bid: 5.7792 Offer: 6.1524Offshore (Transfer/Inflows):USD / GHS = Bid: 5.2500 Offer: 5.5000GBP / GHS = Bid: 6.2186 Offer: 6.7144EUR / GHS = Bid: 5.7792 Offer: 6.1424

Home Improvement

I just turned my house into a home with no hassle.

As an existing homeowner you can apply for a mortgage facility to renovate or extend your property.



Loan Purpose – To renovate or extend an existing property. Tenure – 10 to 15 years. Debt Burden - Not more than 40% of net income. Maximum Facility Limit – Up to 60% of the value of the property. Repayment – Fixed Monthly Repayment.

What's in for you?

Access to a dedicated relationship officer to handle all activities in relation to mortgage facility. Available funds to renovate your existing residential property or for home expansion. Easy access to insurance facilities for the mortgage facility. Competitive charges. Transparent terms and conditions. Flexibility to purchase your land from a preferred real estate company or individual.


Property must be residential. Applicant must pay off the loan before their 60th birthday. Applicant must demonstrate valid ownership of the property (in the form of land title certificate or fully registered indenture). Use of funds must be acceptable to GHL Bank. Loan period is up to 10 years for cedi loans and 15 years for dollar loans.

Looking For The Right Mortgage For You?

Let us help you identify the most suitable mortgage product to meet your unique needs today

What we will need from you

  1. 2 forms of identity (passport, license, etc.)
  2. 2 recent passport pictures
  3. 3 months recent pay slips/other sources of income
  4. 3 months recent bank statements
  5. Proof of address (2 different utility bills/tenancy agreements etc.) Credit report (non-resident applicants)
  6. Purpose of loan (equity release)
  7. Bill of quantities (home improvement)


Other requirements if you are self-Employed

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