Can Foreigners Buy Property in Ghana? A Complete 2025 Guide

If you're a foreign investor or part of the diaspora looking to own property in Ghana, you're not alone. With Ghana's political stability, real estate growth, and welcoming culture, many non-citizens are now purchasing homes, apartments, and land in the country.

Can Foreigners Own Land in Ghana? Foreigners cannot own land outright. Instead, Ghana operates under a leasehold system:

• Foreigners are limited to leaseholds of up to 50 years (renewable).

• Ghanaian citizens can acquire leaseholds up to 99 years.

• You can lease residential, commercial, or industrial land with full legal rights during your lease term.

Buying Property: What You Can Own. While land is leased, foreigners can fully own:

• Apartments and condominiums

• Houses and townhomes

• Property within gated communities or developments like Rehoboth Gardens or Palm Springs

Legal Requirements to buy property as a foreigner:

1. Find a trusted agent or developer. Stick with verified names like Rehoboth Properties or Regimanuel Grey.

2. Verify land title and ownership. Ghana’s Lands Commission can confirm legal status.

3. Hire a property lawyer. Essential for contract review and due diligence.

4. Register the property. The land lease and transfer must be filed at the Lands Commission.

Can Foreigners Get a Mortgage in Ghana? Yes, but it's still evolving. Some banks offer mortgage options to foreigners, especially those employed in Ghana or with proof of income abroad. Many developers now offer payment plans that stretch over 12–24 months.

Expert Advice "Always conduct a land search before making payments, and don’t rely solely on verbal agreements," says Akua Owusu, a legal consultant in Accra. "Work with a developer who understands expat transactions and has a record of completed projects."

Top Areas to Consider

• East Legon Hills (Modern estates and growth)

• Haatso (Rehoboth Gardens, central access)

• Airport Residential (High-end and diplomatic)

• Sakumono / Tema (Growing demand and value)

Final Thoughts: Buying property in Ghana as a foreigner is legal, safe, and increasingly popular. With the right legal support and trustworthy developers, you can confidently invest in a home or rental property that appreciates in value over time.

Need help buying your first home in Ghana? Talk to Our Expert Agents.