Access Mortgage Advantage

•    Access to funds to finance their home acquisition needs.
• An alternative for wealth creation (Equity Release) for high-net-worth individuals
• Access to a bouquet of products and services.

• Provide opportunities for the bank to achieve our targeted LDR of 40%
• Help us to meet the value proposition needs of high-net-worth individuals in our Affluent/Private Banking portfolio.
• Major means of getting sticky loans as mortgage loans are usually long tenored.
• Enhances our client acquisition and market penetration rate.
• Increase in the bank’s Revenue.
• Cross selling of other products of the bank such as bancassurance, consumer finance and our digital channels

For customers resident in Ghana (salaried workers)

• A duly signed request letter
• Three (3) Months’ Pay Slip for existing account holders.
• Six (6) Months’ Pay Slip and Bank Statement for new accounts
• Letter of Undertaking from the employer
• Receipt of a clean credit check on borrower
• Executed Legal Mortgage over the property being financed.
• Receipt of copy of title documents in the name of the vendor/seller
• Clean Search report over the property being financed.
• Down payment of a minimum of 20% of the total cost of the property by applicant.
• An undertaking from Vendor, owner of the property to deliver all title documents in the name of the buyer/borrower upon payment of the property being financed by the Bank.
• Valid National ID (Ghana Card)
• 1 Passport Size Photograph
• Receipt of Credit life Insurance
• Receipt of property insurance
• Receipt of Offer letter from Vendor indicating purchasing price and purchase terms.
• Payment of all upfront fees

For customers resident in Ghana (self employed)

•  A duly signed request letter
•  Business registration documents
• Three (3) years Business bank statements
• 1-year personal bank statement
• Receipt of a clean credit check on borrower
• Executed Legal Mortgage over the property being financed
• Receipt of copy of title documents in the name of the vendor/seller
• Clean Search report over the property being financed
• Down payment of minimum 30% of the total cost of the property by applicant.
• An undertaking from Vendor, owner of the property to deliver all title documents in the name of the buyer/borrower upon payment of the property being financed by the Bank.
• Valid National ID (Ghana Card)
• Passport Size Photograph
• Receipt of Credit life Insurance
• Receipt of Property insurance
• Receipt of Offer letter from Vendor indicating purchasing price and purchase terms.
• Payment of all upfront fees
• 3 years audited financials of the business
• Company profile
• Receipt of Board Resolution authorizing the borrowing and naming the offers mandated to sign the offer (if applicable)

For Ghanaians resident outside Ghana (salaried workers)

• A duly completed request letter
• Proof of Income - Last current 3 month’s Pay slips (Notarize)
• Six (6) Months’ Pay Slip and Bank Statement (Notarize)
• Introductory letter from employer (Notarize)
• Receipt of a clean Credit Reference Bureau Report (Notarize)
• Executed Legal Mortgage over the property being financed.
• Receipt of copy of title documents in the name of the vendor/seller
• Clean Search report over the property being financed.
• Down payment of minimum 20% of the total cost of the property by applicant.
• An undertaking from Vendor, owner of the property to deliver all title documents in the name of the buyer/borrower upon payment of the property being financed by the Bank.
• ID/Passport and proof of being Ghanaian (Notarize)
• 1 coloured Passport Size Photograh
• Evidence of current Physical Address e.g. utility bill (Notarize)
• Letter of Employment from previous employer (worked less than 2years with current employer) (Notarize)
• Next of KIN.(Include Bio page of passport ID), Contact number, postal address and residential address.
• Receipt of Credit life Insurance
• Receipt of Property Insurance
• Receipt of Offer letter from Vendor indicating purchasing price and purchase terms.
• Payment of all upfront fees. 

 Application process 

• Customer requests for the loan 
• Customer's affordability/eligibility is advised based on salary, property value and age 
• Documentation requirements is advised 
• Submission of documents for further review and processing 
• Approval is requested and granted 
• Loan is disbursed accordingly