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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

Mortgage Refinance

Not happy where you are? Move to us.

If you already have a mortgage with other financial institutions, you can transfer your loan to GHL Bank to benefit from our competitive rates and first class customer service. GHL Bank shall pay off the outstanding loan balance with the other financial institution on your behalf.

Facts you should know


Loan Purpose – To switch mortgage loan from another finance institution to GHL Bank. Tenure – 10 to 15 years. Debt Burden - Not more than 40% of net income. Repayment – Fixed Monthly Repayment.

What's in it for you?

Access to a dedicated relationship officer to handle all activities in relation to mortgage facility Available funds to finance obligations if client applied for an amount greater than that owed to the current lender Easy access to insurance facilities for the mortgage facility Competitive charges Transparent terms and conditions


Property to be refinanced must be residential. Applicant must pay off the loan before their 60th birthday. Applicant must have a satisfactory repayment history on existing mortgage with the other institution.

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. Proof of Identity – Two (2) forms of identity (passport, license, etc.)
  2. 3 months recent pay slips/other sources of income
  3. 3 months recent bank statements
  4. Proof of address (2 different utility bills/ tenancy agreements etc.)
  5. Credit report (Experian/ Equifax/Transunion) – non-resident applicants
  6. Redemption statement from current lender


Other requirements if you are self-Employed

  1. Certificate of incorporation and certificate to commence
  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)