The National Mortgage Scheme (NMS) is a groundbreaking initiative designed to make homeownership more accessible and affordable for Ghanaians. Through strategic partnerships with leading banks such as GCB Bank PLC, Republic Bank Ghana PLC, and Stanbic Bank Ltd, the NMS offers standardized, low-interest mortgage products tailored to meet the needs of the average Ghanaian worker.
Powered by a blended finance model, the NMS combines concessional funding from NHF with market-based financing from partner banks.
This unique structure significantly reduces the overall mortgage rate, opening the door to affordable, long-term home loans for qualified applicants.
Beyond mortgages, the NMS also supports construction financing, ensuring that as access to financing improves, so too does the supply of decent housing across the country.
Key features include a Joint Application Option which allows spouses or co-applicants to combine incomes to increase their eligibility.
How to apply
Contact your bank to confirm if it is an NMS participating partner.
Visit your bank to begin your application process — or start through Homefund for document readiness.
The Affordable Housing REIT Rent-to-Own Scheme is a bold, national solution designed to bridge the gap between renting and owning for Ghanaians, especially those in the low-to middle-income bracket.
This innovative initiative offers a clear, flexible pathway to homeownership through affordable monthly rent payments that build equity over time.
In partnership with Asset Management Companies (AMCs), the scheme delivers standardized rent-to-own products that are far more accessible than traditional rental models.
At the core of the scheme is the REIT framework: pension fund participation, capital market listings, transparent governance, and steady long-term investment inflows.
Currently active and expanding, the scheme is acquiring and converting inner-city apartments and regional housing units into rent-to-own properties.
Why choose this scheme?
No large upfront payments
Affordable monthly rents that lead to ownership
National coverage with growing housing stock
Built-in investment sustainability through REIT-backed funding
