Buy to Let Property Loans

Purchasing a property, specifically to let can be rewarding and near risk-free in Ghana.



• Loan amount between ghs25,000 and ghs5m

• Up to 95% LTV. Zero down-payment (100% LTV still available, subject to terms and conditions)

• Interest rates range from 6% up to 24% per annum.

• Loan repayable within 2-20 years

• No early repayment charges.

• Can only be used to buy any of the investment properties from DCANS Properties.



• Attractive property investment income, especially compared to low savings rates and stock market swings.

• Financial crisis proof of property investments. Even if prices fall drastically, brick-and-mortar still exist and you can delay any sales.

• Useful Pension



• Must

• Must • Business Plan mandatory

• B.

• Proof of Identity - Can be any of the following Government-issued photo IDs Passport, Voters ID, Drivers License, NHIS, National ID.


Repaying Your Instalment Loan

• Can repay via bank transfer or any of our approved alternative payment methods.


How to apply

Kindly complete an online application here.



Related Products

• Home Loans

• Family Home Loans

• Sharia Home Loans

• Commercial Mortgaes

Useful info

Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital.

Rolling out a secured, safer, convenient, revolutionary automated self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining).

Fully compliant with AML and KYC regulations.

We're Social


Ghana's 24/7 Direct Financing Hub

Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
Please read Terms & Conditions, Cookies Policy, Privacy Policy, Data Retention Policy, & Modern Slavery Policy before using this website or our service.
All loans are subject to affordability, applicant verification, traditional credit checks and TDG Scoring via various national databases in accordance with Sikamaster''s responsible lending policy. If you're not sure whether Sikamaster Loans lending is right for you, please seek independent financial advice, and if you decide to borrow from us, please read our How We Operate before you proceed.