July 23, 2025
Purchasing a home in Ghana is one of the most significant investments you’ll ever make, yet the dynamic nature of Ghana’s real estate market means that asking the right questions can be the difference between a dream home and a costly nightmare. With Ghana’s real estate market valued at $513.30 billion in 2024 and projected to reach $610.60 billion by 2029, opportunities abound for savvy buyers who approach their purchase with knowledge and preparation.
Whether you’re a first-time buyer or a diaspora Ghanaian returning to invest in your homeland, this comprehensive checklist will empower you to make informed decisions, avoid common pitfalls, and secure a property that serves your needs for years to come. The key lies in asking thorough questions before you commit, conducting proper due diligence, and working with reputable professionals who understand Ghana’s unique property landscape.
Essential Questions About the Property
What is the total plot size, and where are the exact boundaries?
Understanding precise property boundaries is crucial in Ghana, where approximately 40% of property transactions face complications due to unclear demarcations. Request a certified site plan from the Ghana Institution of Surveyors and physically walk the boundaries with a licensed surveyor. This verification typically costs a minimum of GHC 800 for plots up to 0.23 acres, but it can prevent expensive boundary disputes later.
What fixtures, appliances, and features are included in the sale?
In Ghana’s property market, assumptions can be costly. Create a detailed written inventory of everything expected to remain with the property, from built-in appliances to security systems. This documentation becomes particularly important in luxury developments where high-end fixtures significantly impact property value.
What type of ownership title does the property have, and what is the remaining term?
Ghana’s dual land tenure system operates both leasehold and freehold arrangements. Verify whether you’re purchasing a freehold title (permanent ownership) or a leasehold with specific terms. Most properties in Greater Accra operate under 99-year leases from the government or traditional authorities, while family lands may have different arrangements requiring comprehensive documentation.
Critical Questions About Legal Status and Documentation
Is the property registered with the Lands Commission, and are all documents current?
Ghana’s Lands Commission registration typically takes 2.5-3 months, but verification is essential before purchase. Request recent search certificates (not older than six months) from the appropriate regional Lands Commission office. In Greater Accra and inner Kumasi, ensure the property is registered under the Land Title Registration system for maximum security.
Are there any encumbrances, disputes, or outstanding taxes on the property?
Comprehensive due diligence includes verifying that property taxes are current, no legal disputes are pending, and no third-party claims exist. Professional legal verification reveals these issues before they become your responsibility. Request certificates showing a clear title and evidence of settled property taxes for at least the past three years.
Can I examine all legal documents before making an offer?
Never proceed without reviewing original indentures, land title certificates, building permits, and architectural plans. In Ghana’s property market, document forgery represents a significant risk, particularly in high-demand areas like East Legon and Airport Residential. Insist on verification directly with issuing authorities rather than accepting photocopies.
Important Questions About Financing and Costs
What is the total acquisition cost, including all taxes, legal fees, and closing expenses?
Property purchase costs extend far beyond the advertised price. Budget for legal fees ranging from 2-5% of property value, stamp duty of 0.25-1%, registration fees, survey costs, and utility connections. Professional property acquisition typically requires an additional 15-20% above the purchase price for these essential expenses.
What financing options are available, and what are the specific terms?
Ghana’s financing landscape offers dramatically different options for various buyer categories. Diaspora Ghanaians access USD-denominated mortgages at 11.5% fixed rates, while local residents face Cedi-denominated rates of 25-35% APR. Explore government schemes like the National Housing and Mortgage Fund, which offers more favourable terms for qualifying buyers.
Has a recent professional property valuation been completed?
Independent property valuation protects against overpaying in Ghana’s dynamic market, where properties in East Legon range from $450,000-$600,000 for three-bedroom houses. Professional valuers certified by the Ghana Institution of Surveyors provide market-based assessments that support financing applications and negotiate fair pricing.
Questions About Location and Amenities
How accessible are essential services like schools, hospitals, shopping centres, and public transport?
Ghana’s urban development patterns mean that location significantly impacts daily life quality and property values. Properties near major transport hubs command 15-25% value premiums, while proximity to quality schools and healthcare facilities enhances both livability and investment potential.
What is the neighbourhood character at different times of day and week?
Visit your prospective area during various times to understand traffic patterns, noise levels, and community dynamics. Ghana’s neighbourhoods can vary dramatically between day and night, particularly in rapidly developing areas where commercial and residential uses intermingle.
Are there confirmed infrastructure or development plans affecting the area?
Major infrastructure projects like the Accra-Kumasi High-Speed Railway and the $1.2 billion Marine Drive Accra waterfront redevelopment significantly impact property values. Research confirmed government and private development plans that could enhance or potentially disrupt your chosen location.
Questions About Property Condition and Inspection
Has the property undergone a professional structural and systems inspection?
Ghana’s building standards require comprehensive inspection by qualified professionals. Verify that electrical systems comply with Ghana Standards Authority requirements, plumbing meets current standards, and structural integrity is confirmed by certified engineers. Never rely solely on visual inspection for such a significant investment.
Are there any known defects, recent repairs, or pending maintenance issues?
Transparency about property condition protects against unexpected expenses after purchase. Request detailed maintenance records, warranty information for recent repairs, and disclosure of any known issues. In Ghana’s climate, particular attention should be paid to waterproofing, foundation integrity, and air conditioning systems.
What utilities and services are available and reliable on the property?
Verify consistent access to electricity, water supply (including backup sources), internet connectivity, and waste management services. In many Ghanaian developments, backup generators and water storage systems are essential for consistent service, particularly during seasonal variations.
Questions About Long-Term Suitability and Value
Will this property meet your current and future family needs?
Consider not just your immediate requirements but anticipated changes in family size, accessibility needs as you age, and evolving lifestyle preferences. Ghana’s property market rewards thoughtful long-term planning, particularly in established neighbourhoods with proven appreciation patterns.
What is the realistic potential for property value appreciation in this specific location?
Ghana’s real estate market projects 10-12% annual price appreciation driven by continued urbanisation and diaspora investment. However, appreciation rates vary significantly by location, property type, and proximity to infrastructure development. Research historical price trends and consult local real estate professionals for location-specific projections.
Protecting Your Investment with Professional Guidance
Successful property purchase in Ghana requires a professional team including licensed lawyers specialising in Ghanaian property law, registered surveyors for boundary verification, certified property valuers, and reputable real estate agents with proven track records. The Ghana Real Estate Developers Association (GREDA) recommends purchasing only from their registered members to ensure litigation-free transactions.
The complexity of Ghana’s property market, combined with its tremendous opportunities, makes professional guidance essential rather than optional. While this guidance represents an additional investment, it provides invaluable protection against the significant risks present in any emerging market property transaction.
Frequently Asked Questions
What documents should I verify before buying a home in Ghana?
Essential documents include original indentures or Land Title Certificates, current site plans with Lands Commission bar codes, comprehensive search reports not older than six months, building permits with approved architectural plans, and property tax clearance certificates. Each document should be verified directly with the issuing authorities.
How do I know if the property is fairly priced?
Obtain professional property valuation from Ghana Institution of Surveyors certified valuers, research comparable sales in the immediate area within the past six months, and consult multiple real estate professionals familiar with local market conditions. Consider factors like location premiums, infrastructure access, and planned developments affecting value.
Why is title verification so important in Ghana?
Ghana’s dual land tenure system, combining customary and statutory law, creates complexity that requires professional navigation. Title fraud, double sales, and family land disputes affect approximately 40% of transactions without proper verification. Professional title verification protects against these risks and ensures legal ownership transfer.
What are the hidden costs to watch for when buying property?
Beyond legal fees and taxes, budget for professional surveys, property valuation, utility connections, insurance, maintenance reserve funds, and potential boundary dispute resolution. These costs typically add 15-20% to the advertised purchase price but are essential for complete property acquisition.
How does Landmark Homes support buyers in due diligence and safe transactions?
Landmark Homes GH provides comprehensive buyer support, including verified property documentation, professional legal guidance, certified surveyor coordination, transparent pricing with detailed cost breakdowns, and ongoing customer service throughout the purchase process. Our GREDA membership and established track record ensure secure, professional transactions that protect your investment.
Ready to find your perfect home in Ghana with confidence? Contact Landmark Homes today for expert guidance, verified properties, and a seamless buying experience tailored to your needs. Our professional team understands both the opportunities and challenges of Ghana’s property market, ensuring your investment decision is informed, secure, and rewarding.