Many Ghanaians living overseas dream of owning property back home. But while the dream is powerful, the reality often proves challenging — land disputes, missing titles, and failed building projects are common pitfalls.
Still, with a thoughtful approach and the right partners, you can turn your investment into a success story.
This guide unpacks the essential knowledge and smart strategies that diaspora buyers need before diving into Ghana’s real estate market—whether your goal is to build, earn, or retire in Ghana.
1. Land Ownership in Ghana: Know the System Before You Buy
Unlike the land systems in many Western countries, Ghana’s land is primarily under customary ownership — controlled by families, clans, or traditional authorities (stools).
This makes the process more complex than many expect.
Legal Essentials:
● Ghanaian citizens living abroad are eligible for 99-year leaseholds.
● Foreign nationals can secure 50-year leases, which must include a renewal
clause.
● Skipping documentation or buying from an unverified seller can land you in long, expensive legal disputes.
What to Do:
● Always request a Cadastral Site Plan from a licensed surveyor.
● Conduct a Lands Commission search to verify ownership, litigation status, and land use rights.
● Engage a qualified attorney who specializes in real estate to examine all contracts and payment plans.
● Avoid paying everything upfront—tie your payments to documented milestones.
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2. Trust Issues: Don’t Let Familiar Faces Derail Your Investment
Too many diaspora buyers put faith in family or friends to handle property purchases or oversee construction—only to find out they’ve been misled.
Common Pitfalls:
● Land gets sold to multiple buyers.
● Payments are made, but construction never starts.
● Homes are built on disputed or improperly zoned land.
Smart Moves:
● Treat every deal as business—even with relatives. Use formal contracts.
● Choose registered real estate firms or licensed agents with a real office and
verifiable track records.
● Request geotagged photos, video walkthroughs, and regular progress updates if
you’re remote.
✨ Skip the Stress: Buy Ready-to-Own at Manora by Quao Realty
Located minutes from Kotoka International Airport, Manora Residence gives you a hassle-free entry into Ghana’s top real estate zone.
● Prices from $94,000 for studios, apartments, and penthouses
● Fully documented and ready to own
● Features include 24/7 security, gym, pool, and elegant finishes
● Ideal for families, retirees, and rental investors alike
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3. Buying Off-Plan: Rewarding If You Choose Wisely
Off-plan properties (buying before construction is complete) offer affordable pricing and flexible payment terms—but they come with risk.
What to Look For:
● A developer with financial stability (not entirely dependent on pre-sales)
● A portfolio of completed projects you can verify
● Clear timelines, penalties for delays, and refund clauses in the contract
Bonus Tip:
Stick with developers who:
● Offer installment plans
● Provide consistent updates (weekly or monthly)
● Work with licensed surveyors, engineers, and project teams
4. Think Beyond Building — Focus on Long-Term Returns
That large house in Kasoa might seem like a status symbol, but without renters or good upkeep, it quickly becomes a liability. That’s why diaspora investors are leaning toward serviced apartments in gated communities across East Legon, Cantonments, and Airport Residential.
Why Apartments Win:
● 24/7 security, water supply, and power backups
● Built-in property management for both short- and long-term rental
● Occupancy rates as high as 80% in key neighborhoods
● Earn up to $4,000/month with short-term rentals
5. Where to Buy: Ghana’s Top Real Estate Zones for Diaspora Investors
Let data — not emotions — guide your investment.
Location – Cantonments
Why It Works – Popular with expats and diplomats, premium rental rates
ROI Potential – High
Location – East Legon Hills
Why It Works – Growing infrastructure and accessible land prices
ROI Potential – Very High
Location – Airport Residential
Why It Works – Proximity to airport; ideal for Airbnb or business tenants
ROI Potential – Excellent
Location – Ridge
Why It Works -Government tenants and quiet prestige
ROI Potential – Stable & Long-Term
6. Financing Options for Diaspora Buyers
You don’t need to pay in full upfront. Several banks and developers now offer tailored solutions.
Your Options:
● Diaspora Mortgages: Offered by banks like Stanbic Ghana and First National
Bank with rates between 11.5%–13% and up to 15-year terms
● Developer Payment Plans: For example, Quao Realty offers 12–24 month options
● Group Investments: Pool funds with other diaspora investors for shared returns
Pro Tip:
Open a Ghanaian cedi account to handle local expenses, taxes, and utilities. It also
cushions you from currency fluctuations.
7. The Roadmap: From Dream to Deed
To move from vision to ownership, follow these steps:
1. Clarify your purpose: Retirement, rental income, or resale?
2. Choose a verified location with proven demand
3. Hire professionals—lawyers, surveyors, agents
4. Do your due diligence—check land titles, court cases, family claims
5. Pick a financing method—mortgage, cash, or developer plan
6. Secure legal paperwork—SPA, indenture, title, site plan
7. Plan for management—Airbnb, local agents, or booking platforms
Ready to Earn From Day One? Choose Manora
Why wait years for a property to be built? With Manora by Quao Realty, you get:
● Immediate ownership
● Luxury layouts and legal safety
● High rental demand in Airport Residential
● Family-friendly and investor-ready options
� Download Brochure | �� Book a Viewing
Final Word: Let Strategy Guide Your Sentiment
Real estate in Ghana offers meaningful returns — but only if approached strategically.
As a diaspora investor, you hold the advantage of foreign income, stronger currencies, and vision.
But success requires careful planning, verified partnerships, and constant oversight.
Whether you’re buying to build, earn, or leave a legacy, remember: a well-bought property in the right area with solid documentation becomes a lasting asset for generations.