How to Buy Property in Ghana as a Foreigner: A Step-by-Step Guide
Break down the legal and logistical steps for diaspora members to own land or a home in Ghana.
Buying property in Ghana as a foreigner or member of the diaspora can be a powerful way to build wealth, reconnect with heritage, and contribute to the continent’s growth. But understanding the legal and procedural steps is critical to making a sound investment.
At DPN Global, we help high-earning members of the diaspora navigate the Ghanaian real estate market with confidence and clarity. Here’s what you need to know.
Can Foreigners Own Property in Ghana?
Foreigners are allowed to purchase property in Ghana through leasehold arrangements. Under Ghanaian law, non-citizens can acquire a lease for up to 50 years, which is renewable. Freehold land is typically reserved for Ghanaian citizens.
For members of the diaspora — including dual citizens and Ghanaians living abroad — property ownership is absolutely possible, provided you follow the correct legal channels.
Step-by-Step Process to Buy Property in Ghana
1. Define Your Investment Goal
Are you looking to build a home, buy an existing property, or invest in rental or commercial real estate? Your objective will determine where to buy, what to budget, and which documents are required.
2. Work with a Trusted Real Estate Advisor
One of the most common mistakes diaspora buyers make is relying on unverified individuals or family connections. At DPN Global, we provide access to vetted properties, legal professionals, and on-ground support, ensuring transparency and protection at every stage.
3. Conduct a Title Search
Before any money changes hands, your legal team must conduct a title search at the Lands Commission to:
- Confirm the legal owner of the land or property
- Ensure it is not under litigation or government acquisition
- Verify that there are no prior encumbrances or double sales
This is a non-negotiable step in any secure real estate transaction in Ghana.
4. Draft a Sale and Purchase Agreement
Once ownership is verified and terms are agreed upon, a formal Sale and Purchase Agreement is prepared. This legal document outlines:
- The agreed price
- Payment structure
- Obligations of both parties
- Timelines for handover
Both parties sign the document in the presence of a qualified legal representative.
5. Make Payments Through Traceable Channels
Payments should be made through bank transfer or other traceable means. Upon payment, you must obtain:
- A signed and stamped receipt
- Copies of all related agreements
- Any pre-existing documentation, such as an indenture or site plan
6. Register the Property
Property registration is essential to formalize your ownership rights. This process includes:
- Stamping the transaction documents at the Ghana Revenue Authority
- Plotting the land on cadastral maps through the Survey Department
- Submitting documentation to the Lands Commission for registration
Once complete, you’ll receive a Land Title Certificate or a registered Lease Agreement, depending on the type of property.
7. (Optional) Begin Development
If you purchased land, you may now proceed to:
- Obtain building permits from the local district assembly
- Hire contractors or architects
- Begin construction or renovation
DPN Global also provides development support services to ensure progress continues — even if you’re based abroad.
Common Pitfalls to Avoid
- Relying on verbal agreements
- Failing to conduct a title search
- Purchasing unregistered land
- Skipping legal counsel to cut costs
- Making cash payments without proper documentation
Key Legal Terms to Understand
- Leasehold: A contractual agreement that allows you to use the land for a defined period (typically 50 years for non-citizens)
- Indenture: A legal document outlining the transaction details and boundaries of the property
- Land Title Certificate: An official government-issued document confirming your legal interest in the land or property
Why Work With DPN Global?
We specialize in guiding diaspora investors through every stage of the property acquisition process in Ghana. From property search and verification to legal support and development oversight, DPN Global ensures a safe, secure, and seamless experience.
Ready to Invest in Ghana?
Whether you’re in Canada, the U.S., the U.K., or anywhere in the diaspora, we help you acquire property in Ghana with complete confidence.
[Contact us today] to schedule a consultation or learn more about available opportunities.