Best Mortgage Lawyers in Ghana

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Sam Okudzeto & Associates

Sam Okudzeto & Associates

Accra, Ghana

Founded in 1971
50 people in their team
English
Sam Okudzeto & Associates is one of the pioneers in corporate and commercial legal practice in Ghana.With over 35 lawyers, the firm has acquired wide international exposure and standing by the membership of its lawyers in the following organizations: International Bar Association (IBA),...
Beyuo & Company

Beyuo & Company

Accra, Ghana

Founded in 2012
50 people in their team
English
At Beyuo & Co we embrace the word ‘change’ as we understand that good corporate counsel requires more than a generalized knowledge of business and law but a more innovative approach. We strive to not only understand the issues our clients are facing now but work hard in anticipating those...
ENS

ENS

Accra, Ghana

Founded in 2000
5,000 people in their team
English
With over 600 specialist practitioners, ENS is Africa’s largest law firm and has the capacity to deliver on your business requirements across all major industries and the African continent. We are able to leverage our resources to deliver legal solutions that suit your pricing preferences and...
Franklyn & Partners

Franklyn & Partners

Accra, Ghana

Founded in 2021
50 people in their team
English
About UsFranklyn & Partners is a leading corporate and commercial law firm based in Ghana, dedicated to providing comprehensive legal services to domestic and international investors. Our firm is committed to facilitating business harmony by offering approachable and relatable legal advice...
MacCarthy & Associates

MacCarthy & Associates

Accra, Ghana

Founded in 2000
50 people in their team
English
ABOUT MACCARTHY & ASSOCIATESA bespoke law firm that is made up of dynamic innovators who combine a deep understanding of the technical rudiments of our law with a unique ability to adjust to the shifting tides of our legal system.WELCOMEMacCarthy and Associates is an Accra-based law firm that...
Acheampong & Associates

Acheampong & Associates

Accra, Ghana

Founded in 2015
50 people in their team
English
We are experts in Immigration, Corporate & Family LawWe have been  in the business of providing legal services over the past half-decade. Established in 2015, we have consistently pursued a client-centered strategy prefaced on a clear understanding of their needs. We specialize in...
Law Temple

Law Temple

Accra, Ghana

Founded in 2009
50 people in their team
English
WELCOME TO LAW TEMPLEWe are a prominent law firm based in Accra, Ghana. Our firm was incorporated in the year 2009 under the laws of Ghana. Over the years the firm has grown to be a leading law firm providing result-oriented legal services to clients. Law Temple believes clients deserve best legal...
KIMATHI & PARTNERS

KIMATHI & PARTNERS

Accra, Ghana

Founded in 2011
50 people in their team
English
Kimathi & Partners is unquestionably one of the best law firms in Ghana and a crucible for gifted young lawyers. We are ranked as a tier 1/top tier law firm in Ghana by The Legal 500 in the following practice areas: Banking, Finance, M&A, Commercial, Corporate, Energy, Infrastructure,...
De Medeiros & Associates

De Medeiros & Associates

Accra, Ghana

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,...
ABM Attorneys at Law

ABM Attorneys at Law

Accra, Ghana

Founded in 2000
50 people in their team
English
Amorin, Boateng & Mensah (ABM) was formed by three young, distinguished and aggressive lawyers trained in the United Kingdom and the United States.Convinced that Ghana is truly the ultimate emerging economy, these brilliant attorneys strive not only to provide the best legal representation but...
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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.