Choosing your Buy to Let mortgage in Ghana

Welcome to our straightforward and secure online mortgage quote and application service.

Whether you're planning to buy your first Buy to Let (BTL) property as an investment, expand your existing property portfolio or if you're looking for a better deal on your existing mortgage, we have a range of mortgages available for you to consider.

In six simple steps you can apply online for a Buy to Let mortgage with and if you're successful, you'll have a mortgage Offer from us at the end.

The steps to your mortgage application

  • Are you eligible?

  • Mortgage quote

  • Approval in Principle (AIP)

  • Full application

  • Supporting documentation

  • Mortgage Offer

Are you eligible?

To get started you’ll need to complete a short series of questions so we can check whether you’re eligible to apply with us and whether you can apply online.

Mortgage quote

By completing a few details about the mortgage you are looking for, we’ll provide you with a quote known as a Mortgage Illustration. This provides you with a useful summary of the mortgage you've selected and the fees you'll have to pay. You can produce as many quotes as you like to find the mortgage that’s best for you.

Approval in Principle (AIP)

Once you’ve decided on the mortgage you want, just progress the Mortgage Illustration for your chosen rate. You'll need to answer some basic questions about your circumstances which will be credit checked – but don’t worry, this won’t affect your credit score. If you meet our criteria, we’ll give you an AIP certificate which you can download and print. An AIP is a good way to show you’re serious about buying a property as it can give you an important edge when you find a property you like.

Full application

The Full application asks more detail about the answers you’ve already given including details of the property. Once completed, this information will be credit scored again to ensure your application still meets our lending criteria. If all is well, your application will be accepted and passed to an underwriter. If a valuation fee is applicable, this must be paid within three working days of acceptance.

Supporting documentation

As part of the application process, you may be asked to provide documents so that the underwriter can make a full assessment of your application. This could include proof of income, residency and identification. A valuation of the property will also be needed which we will instruct on your behalf.

Mortgage Offer

Finally, if the documents you’ve provided and the valuation report meet our requirements, we’ll issue you with a mortgage Offer. It’s essential at this stage to check the details carefully and let us know if there are any changes in your circumstances, before signing and returning the document to us. By signing the mortgage Offer, you’ll be agreeing to the mortgage and the terms and conditions.

Useful to know

The affordability of a Buy to Let loan is primarily based on the expected monthly income generated from letting the property to a tenant. The actual income generated may be different and can be influenced over time by changes within the rental market. You will remain responsible for meeting the costs of your loan and the additional costs associated with letting the property.

Please note that following submission of your full application, an underwriter will make a full assessment of the information you’ve provided and your credit score. In some circumstances this may change the automated decision we originally gave to you. If this happens we’ll contact you to explain why our decision has changed.

Next steps

Getting a mortgage quote

Are you eligible?

Before you create any quotes and proceed with your application, we'll need to check that you're eligible to apply for a mortgage with us. Please answer the questions below and if you meet our requirements you can begin to create your quotes:

Thank you for your interest in®
mortgages provided by Apartments Ghana Limited

Unfortunately, we’re unable to lend to you based on the answers you’ve just given. If your circumstances change, we’d be happy to consider a new application from you.

Choosing a mortgage

To create a quote, complete all the fields below and click ‘Calculate’. You’ll then see the mortgage products available to you.

Click 'Select' next to the mortgage that interests you. Before you can view the quote, you’ll be asked to register your details.

Please note: Our mortgage products can be withdrawn at any time and without notice.

Mortgage product Overall cost for comparison (APRC)
Maximum Loan to Value (LTV)
Product Fee
Monthly repayment
15% 2 year fixed up to 60% LTV (Buy to Let – LJE) 15%

Fixed for length of term, at which point loan will need to be refinanced or repaid in full

60 % $1995 Enter your mortgage requirements in the fields above to calculate the monthly repayment for this product.
Enter your mortgage requirements in the fields above to calculate the monthly repayment for this product.
Product details
Early Repayment Charge:
• 3% of the sum repaid early before end of loan term

Choosing a mortgage

To progress your mortgage application, you'll need to register your details with us and choose the type of valuation report you'd like to include in your application. To complete your registration, you'll also need to agree to our Terms and Conditions to ensure you're comfortable with the process of applying online without advice from us.
Add another applicant
Please enter the information for the lead applicant. If we progress with your application, we will require further information from all applicants.

Thank you for applying. We will be in touch shortly.

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We’ve sent an email to: . Please follow the instructions to complete your registration.

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One of our representatives will contact you shortly to discuss your application further. Thank you for your interest.