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If you’re looking to buy your first home, we can help you by financing with loan. The loan period is typically up to 10 years for cedi loans and 15 years for dollar loans. 

Facts you should know


Loan Purpose - To purchase your first home. Tenure - 10 - 15 years. Debt Burden - Not more than 40% of net income. Maximum Facility Limit – Up to 80% of the property price. Repayment – Fixed Monthly Repayment.

What's in it for you?

Complete access to a dedicated relationship officer ready to handle all activities in relation to your mortgage facility. Available funds to purchase your dream home. Easy access to insurance facilities for your mortgage facility. Competitive charges. Transparent terms and conditions. Flexibility to purchase your building from a preferred real estate company or private vendor.


Property must be residential. You must pay off the loan before your 60th birthday. Vendor must be the valid owner of the property (ownership evidenced by Land Title Certificate or Fully Registered Indenture or any other document acceptable to GHL Bank).

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. Your completed GHL Bank Mortgage Application form
  2. Proof of income – Three (3) months current salary slips/stubs or other sources of income
  3. 3 months recent bank statements
  4. Proof of Identity – Two (2) forms of identity (passport, license, etc.)
  5. Photo Identification – Two (2) passport pictures
  6. Proof of address (2 different utility bills/ tenancy agreements etc.)
  7. Offer letter from vendor
  8. Credit report (Experian/ Equifax/Transunion)
  9. Pictures of the property


Other requirements if you are self-Employed

  1. 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)