Interest-free Home Loans

Exciting time to own a home with our low-rate home loans. Sikamaster Loans provide qualified borrowers with low-cost financing. To help you achieve this important life ambition, we offer various home loan solutions that enable you buy or build the property of your dreams.



• Can be used to purchase a new or pre-owned home via DCANS Properties Ltd only.

• Refinancing & Equity Releases

• Minimum loan : $10,000

• Maximum loan: $5m

• Competitive variable or fixed interest rate in Ghana cedis, US dollars, GB pounds sterling or euro.

• Only available to employees of our sister companies only.



• Financing up to 100% of the home’s value

• Low rates - APR within 6.00% and 12.00%

• Flexible terms - Up to 30 yrs repayment

• Home Equity Line-of Credit Loans


How we compare

Of the 34 Universal Banks licensed by the Bank of Ghana, less than 15 of them provide home loans (mortgages). Sikamaster Loans is the only Non-bank direct mortgage provider in Ghana today,

 Annual Interest Rates
 Repayment Period
 Upfront Fees
 Prior Account Opening
 Minimum Qualifying Salary (Net)
 Maximum Lending Amount
Sikamaster Home Loans 
 6.00% - 12.00%
 Up to 30yrs
 Up to $5m (cedi equivalent)
Home Loans by Banks 
 24.00% - 38.00%
 Usually up to 25yrs
 Usually less than $1m (cedi equivalent)


What you need to apply:

• Work in the public or private sector, including self-employed.

•Earn a minimum net salary of ghs1,000 or $1,500 a month

• Be permanently employed

• Be a high net worth individual considering buy-to-let options

• Be over 21 years and under/at 60 years by the end of the loan term.

• Fill in a Home Loan Application form and attach the following supporting documents:

- Proof of income – past three months’ payslips · Proof of past two years’ employment

- Proof of identity – passport, driver’s licence, Voter’s Identity Card

- Proof of residence

- Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)

- Bill of quantities, building plan and permit (for home improvement and developer construction)

- Property title documents (To begin title search)

- A Valuation Report from one of our approved valuers will also have to be given to us

- Loan will be approved subject to a positive credit bureau report


How to apply

Our bespoke Home Loans can currently be used to buy a home from DCANS Properties LLC (DPL) ONLY. Kindly complete an online application form here to get started.



Related Products

Family Home Loans

Sharia Home Loans

Buy to Let Property Loans

Construction Loans

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.