Best Mortgage Lawyers in Ghana

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Founded in 2000
50 people in their team
English
Who are we?Ranked as one of the best commercial law firms in Ghana, Clinton Consultancy is the firm of choice for both local and international clients.We have in recent years, rapidly expanded both in size and practice areas. In the last 12 months, we have been retained in the most high profile...
WTS NOBISFIELDS
Kumasi, Ghana

Founded in 2016
50 people in their team
English
Who We Are?WTS Nobisfields is a corporate and commercial law firm in Accra, Ghana. We are regulated and authorized by the General Legal Council to provide legal services.We are one of the leading business law firms, undertaking work for the leading companies and organizations doing business in...

Founded in 2015
50 people in their team
English
OUR STORYALA is a full service, corporate law firm based in Accra, Ghana, established in 2015 by Nana Adjoa Hackman and Gabby Otchere-Darko. We are a Ghanaian law firm with a Pan-African vision. Our team of experienced lawyers, including partners, service mainly business clients from across Africa...

Founded in 2021
10 people in their team
English
As our name โ€“ SUSTINERI ATTORNEYS implies, we are sustainable legal practitioners using our signature structured approach โ€“ START (Start up Legal Toolkit- Transactions- Advisory โ€“ Regulatory โ€“ Training) โ€“ which allows us to work with clients in the design of legal solutions that resolve...
Totoe Legal Service
Kumasi, Ghana

Founded in 1981
50 people in their team
English
TOTOE LEGAL SERVICE was established in 1981 by the late Thomas Asamoah Totoe, Esq after over 25 years in active private practice with other partners.Over the years the firm has gone through various changes to reshape it to suit modern โ€“ day best practice in the legal profession.  The firm...
Atuguba & Associates
Accra, Ghana

Founded in 2006
50 people in their team
English
Atuguba & Associates was established as a law firm in 2006 and is duly registered with the General Legal Council of Ghana.Atuguba & Associates underwent chambers registration in the year 2012, pursuant to the directives of the General Legal Council and Ghana Bar Association. All A&A...

Founded in 2000
50 people in their team
English
De Medeiros & Associates were incorporated to offer and deliver wide ranging legal services particularly in response to the ever changing and positive economic developments in Ghana, Africa and worldwide, which creates the need to have firms that specialize and are able to provide service,...
LIMO LAW
Accra, Ghana

Founded in 2005
50 people in their team
English
ABOUT LIMO LAWOur Gorgeous HistoryLIMO@LAW is a client-centric and solutions-oriented law firm which operates 24/7. We are currently located in the national capital, Accra in the Greater Accra Region of the Republic of Ghana. Our main focus is the provision of ethical and innovative legal and...

Founded in 2000
50 people in their team
English
Legal Ink is a full service law firm providing a wide range of legal services in the areas of dispute resolution, real estate & conveyancing, corporate law & legal compliance, construction law, intellectual property law & trade mark registration, due diligence analysis, among others....
Nartey Law Firm
Accra, Ghana

Founded in 2000
10 people in their team
English
WHO WE ARENartey Law Firm is a law firm in Ghana providing legal services to a diverse portfolio of clients ranging from individuals to multinationals. Although based in Ghana our scope and expertise cuts across borders in within Africa and the rest of the world.Nartey Law Firm is a law firm in...
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About Mortgage Law in Ghana:

Mortgage laws in Ghana govern the process by which individuals or businesses can secure loans using real estate as collateral. This legal framework provides guidelines for lenders and borrowers to ensure the smooth functioning of the mortgage market in the country.

Why You May Need a Lawyer:

It is advisable to seek legal advice in mortgage transactions to ensure that your rights are protected. A lawyer can assist you in reviewing mortgage documents, negotiating terms with lenders, resolving disputes, and ensuring compliance with local regulations.

Local Laws Overview:

In Ghana, the main laws governing mortgages include the Mortgages Act, 1972 (NRCD 96) and the Land Registry Act, 1962 (Act 122). These laws outline the requirements for creating and registering mortgages, rights and responsibilities of parties involved, and procedures for foreclosure in case of default.

Frequently Asked Questions:

1. What is a mortgage?

A mortgage is a loan that is secured by the borrower's property, typically real estate. The property serves as collateral for the loan, which means that the lender can take possession of the property if the borrower fails to repay the loan.

2. How do I get a mortgage in Ghana?

To obtain a mortgage in Ghana, you will need to approach a financial institution or mortgage lender. You will be required to provide information about your income, credit history, and the property you wish to purchase. The lender will assess your eligibility and the property's value before approving the loan.

3. What are the rights of a borrower in a mortgage transaction?

Borrowers have the right to receive clear and accurate information about the terms of the mortgage, including interest rates, fees, and repayment schedule. They also have the right to challenge any unfair practices by the lender and seek legal recourse if necessary.

4. Can a mortgage be transferred to another party in Ghana?

Yes, mortgages can be transferred to another party through a process known as assignment. The original lender must consent to the transfer, and the new party will assume the rights and responsibilities of the original borrower.

5. What happens if I default on my mortgage payments?

If you default on your mortgage payments, the lender has the right to foreclose on the property. This means that the lender can take possession of the property and sell it to recover the outstanding loan amount.

6. Are there any government programs that support mortgage financing in Ghana?

Yes, the Government of Ghana has implemented several initiatives to promote access to affordable housing through mortgage financing. These programs aim to improve homeownership rates and stimulate economic growth in the housing sector.

7. Can I renegotiate the terms of my mortgage agreement?

Yes, borrowers have the right to renegotiate the terms of their mortgage agreement with the lender. You can seek a modification of the loan terms if you are facing financial difficulties or wish to change the repayment terms to better suit your needs.

8. How can I protect my rights as a borrower in a mortgage transaction?

To protect your rights as a borrower, it is advisable to seek legal advice before entering into a mortgage agreement. A lawyer can review the terms of the loan, ensure compliance with local laws, and represent your interests in case of disputes with the lender.

9. What are the costs associated with obtaining a mortgage in Ghana?

The costs of obtaining a mortgage in Ghana may include application fees, legal fees, appraisal fees, and registration fees. Borrowers should carefully review the breakdown of costs provided by the lender and seek clarification on any charges that are not clearly explained.

10. How long does it take to complete a mortgage transaction in Ghana?

The timeline for completing a mortgage transaction in Ghana may vary depending on the complexity of the transaction, the responsiveness of the parties involved, and the efficiency of the local regulatory authorities. On average, the process may take several weeks to a few months to finalize.

Additional Resources:

For more information on mortgage law in Ghana, you may refer to the Ghana Real Estate Developers Association (GREDA), Bank of Ghana, or consult with a local law firm specializing in real estate and property law.

Next Steps:

If you require legal assistance in mortgage transactions in Ghana, it is recommended to seek the services of a qualified lawyer with experience in real estate law. Your lawyer can guide you through the process, protect your rights, and help you navigate the complexities of mortgage transactions in the country.

Lawzana helps you find the best lawyers and law firms in Ghana through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Ghana - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.