“As a government-backed Fund, we at the National Homeownership Fund (NHF) believe that homeownership is the foundation for dignity, security, and growth. Therefore, every Ghanaian deserves a place to call home, not just a roof over their head.
Our mission is to make homeownership accessible and affordable for all. We are not just facilitating access to homes for Workers, we are building futures, strengthening communities, and unlocking the dreams of hardworking individuals and families across the country.
As CEO, I am deeply committed to advancing President John Mahama’s vision of providing smart homeownership solutions that provides affordable houses to Ghanaians by positioning the Fund as a trusted partner in Ghana’s housing sector. Through innovative financing solutions, strategic partnerships and a people-centered approach, we are redefining homeownership in Ghana.
I invite both local and international partners to join us to provide decent and affordable homes and empower Ghanaians to own them. Together, let’s turn keys into opportunities, and houses into homes.”
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 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.
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.
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The National Homeownership Fund (NHF) is a state-owned initiative focused on making homeownership more accessible in Ghana. It addresses both housing demand and supply through innovative financing solutions, including mortgage and rent-to-own schemes, as well as construction financing.
Any taxpaying Ghanaian aged 18 and above can apply. Priority is given to:
Yes. Ghanaians in the diaspora can apply, subject to meeting eligibility and financial requirements through approved application channels.
The NMS is implemented by NHF in partnership with selected financial institutions. It provides affordable mortgage financing at concessionary rates to help individuals purchase homes.
Eligible applicants can access up to GH¢700,000, depending on income and repayment capacity.
Yes. You can apply jointly with: