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 or buying from a developer with existing Property Development Loan with us (i.e. prospective homebuyer can ask their developer whether they have a homeloan arrangement with us and they would be glad to tell you more, if already not part of their marketing materials.)

• Refinancing & Equity Releases

• Minimum loan : $10,000

• Maximum loan: $5m (additional security may be required)

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



• 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 23 Universal Banks licensed by the Bank of Ghana, less than 7 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
Maximum LTV
 Prior Account Opening
 Minimum Qualifying Salary (Net)
 Maximum Lending Amount
 Repayment Assistance Programme
 Types of Qualified Property
Sikamaster Home Loans 
 4.50% - 12.00%
 Up to 30yrs
 Up to $5m (cedi equivalent)
 Restricted to DCANS Properties
Home Loans by Banks 
 12.00% - 38.00%
 Usually up to 25yrs
 Usually less than $1m (cedi equivalent)
 Few or No Restrictions

More on Mortgage Comparision in Ghana here.


What you need to apply:

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

•Earn a minimum net salary of ghs2,000 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 Only. Kindly complete an online application form here to get started.



Other Home Loan Products

Family Home Loans

Healthcare Mortgages

Near Zero Mortgages

Transferable / Assumable Mortgages

Pension Mortgages

Regulatory Compliance


Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the unemployed). 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. SML does not charge any upfront fees before lending.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

All Business Loans have been moved to GHStartups.com (a sister company). GHStartups.com provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Rent Loans have also been moved to RentNowPayLater.net and RentToBuyGhana.com. All Construction Loans have been moved to Build Now Pay Later. All Auto Loans have been moved to Glostar Motors.

All Buy Now Pay Later (BNPL) Loans (incl interest-free and interest-bearing) have been moved to DCANS Pay (a sister company).

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