We work with banks, private financiers and investment partners across Ghana to find the funding that fits. From buy-to-let and home mortgages to development finance, bridging and joint ventures — one conversation, the right options.
One enquiry. We match you to the right partner.
We work with banks, mortgage lenders and private financing partners
Most people come to us for a buy-to-let or home mortgage — and that's where we start. But we're a finance hub, not a single product. When a deal needs more, we can go deeper.
Finance an investment property and let it out. Affordability is based mainly on the expected rental income, not just your salary. First property or growing a portfolio — we'll find the right lender.
How it works →Buying the home you'll live in? We compare mortgage options across our partner banks and match you to one that fits your income and deposit.
Enquire →Refinance, release equity, or fund the next few properties. Structured for landlords and investors scaling up across Ghana.
Enquire →For developers building, completing or refinancing a project. We introduce you to lenders and partners who fund at the scale and stage you need.
Discuss a project →When a bank doesn't fit or speed matters, our private lending partners can offer flexible, short-term or bespoke funding — bridging, mezzanine and more.
Discuss options →For larger or more complex opportunities, we help structure the deal and introduce equity and debt partners. Sophisticated financing, handled discreetly.
Start a conversation →We're your route to finance, not a single lender's front desk. That means options — and someone on your side while you weigh them.
Share the property, the amount, and your situation. A few minutes is enough to start.
We look across our panel of banks and financing partners for the options that actually fit.
You get real options to compare — not a single take-it-or-leave-it. We help you through the paperwork.
The financing partner provides the funds and makes the final offer. We stay with you to completion.
A quick indication only. Enter a rate to see roughly what a loan might cost each month — your actual rate and terms come from the lender.
Indicative — not a quote or an offer.
Indicative only, in whatever currency you entered. Assumes a constant rate for the whole term. Real mortgages change with rate, fees and lender criteria. This is not financial advice, a quote, or an offer.
Our most popular route. Whether it's your first buy-to-let, a growing portfolio, or a better deal on an existing mortgage, here's how an application progresses.
A short set of questions checks whether you can apply, and whether you can apply online.
A few details produce an illustration — a summary of the mortgage and the fees involved. Produce as many as you like.
Answer some questions about your circumstances for a credit check. An AIP shows sellers you're serious.
More detail, including the property. Re-checked against lending criteria, then passed to an underwriter.
Proof of income, residency and identification, plus a valuation of the property, arranged on your behalf.
If the documents and valuation meet requirements, the lender issues an offer for you to check, sign and return.
Criteria vary by lender and product. Meeting these does not guarantee an offer; not meeting one doesn't always rule you out — talk to us. Affordability for a buy-to-let is based mainly on expected rental income, which can change with the market; you remain responsible for the loan and letting costs.
Because a property platform that already knows the market is a useful place to start a financing conversation.
From new-build apartments to established homes and land, we can arrange finance on a wide range of properties — including popular developments like these. Ask us about any property you're considering.
The more you can tell us, the faster we can match you to the right lender. It takes a few minutes, there's no obligation, and enquiring doesn't affect your credit score.
One of our team will review your details and be in touch to discuss your financing options. If it's a more complex deal, we'll match you with the right specialist.
Straight answers about how property finance through us works.
We arrange and introduce financing — we're your route to the right lender, not a single bank. In most cases the funds and the formal mortgage offer come from a partner bank or financier, subject to their criteria and approval. Where a specific product is provided differently, we'll tell you clearly before you commit.
Enquiring is free. Where a lender charges fees — for example product, valuation or legal fees — we set these out clearly before you proceed. If any charge applies for our own service on a particular deal, we agree and confirm it with you in writing first, so you are never surprised by a cost you did not agree to.
Both. We arrange finance in US Dollars and in Ghana Cedis, so we can work with income and rent in either currency. Some individual products have their own currency requirements — tell us your situation and we'll match you to options you can actually qualify for.
It varies by lender and product, and is usually expressed as a maximum loan-to-value (LTV). Buy-to-let and development finance typically need more equity than a standard home loan. We'll tell you what's realistic for your case.
Yes — for suitable deals. Larger and more complex financing is handled case by case through our banking, private finance and investment partners. Start with an enquiry and we'll tell you honestly whether and how we can help.
A straightforward mortgage can move quickly to an Approval in Principle; a full offer depends on valuation, documentation and the lender. Private finance and bridging can be faster; structured deals take longer. We'll set expectations for your specific case.
We arrange finance; we don't provide advice here. This page is general information about our services, not financial or investment advice, and not a recommendation to take any particular product. For advice on what's right for you, speak to us or an independent adviser.
Financing comes from our partners. Except where a product expressly states otherwise, mortgages and finance are provided by partner banks, lenders and financiers, subject to their eligibility criteria, approval and terms. Introductions do not guarantee an offer.
Rates, fees and products are indicative and can change. Any figures shown are illustrative only and can be withdrawn or varied at any time without notice. Your actual terms are set by the lender.
Borrowing has risks. A buy-to-let depends on rental income that can fall as well as rise, and your property may be at risk if you do not keep up repayments. Consider the costs and risks carefully.
Our role and regulation. Apartments Global Limited operates this service as a property finance introducer. We help you find and apply to banks and licensed financing partners; we are not a bank, and we do not provide mortgage finance from our own funds. In Ghana, mortgage finance and lending are regulated by the Bank of Ghana, including under the Non-Bank Financial Institutions Act, 2008 (Act 774); we work with appropriately licensed lending and financing partners, and you can verify any lender's licence directly with the Bank of Ghana.
