CalBank Mortgage

Qualified clients have the opportunity to access loans to acquire their preferred homes. Our CalBank Mortgage is a retail product tailored to meet the mortgage needs of our clients. It can also be accessed for Home Completion, Home Improvement and Equity Release.


The purpose of the CalBank Mortgage is to assist individuals to acquire homes. (For Home Completion, the property should be at lintel level in order to be considered. (This should be backed by a land Title Certificate) within a tenure of 5 to 15 years.

  • Debt Burden: Not more than 45% of net income.
  • Maximum Facility Limit: 85% of the value of property.
  • Repayment: Annuity payment
  • Access to dedicated relation officers to handle all activities in relation to mortgage facility.
  • Available funds to purchase your dream home or complete your dream house.
  • Flexible terms and conditions.
  • Easy access to qualified and professional valuers.
  • Flexibility to purchase your building from a preferred real estate company.
  • Easy access to insurance policies to secure the facility.
  • Competitive charges etc.

Age Limit: Minimum 21 years, Maximum 55 years.

  • A complete and signed CalBank Mortgage Application
  • Offer Letter from Real Estate Developer or Vendor for Home Purchase Mortgage
  • Identification
    • 1 Passport Size Photograph (1 each for Joint Applicants)
    • Power of Attorney for non-resident Ghanaians, NRG. (Must be witnessed by a Notary Public)
    • Valid ID: Voters, Passport, National ID, Driver’s Licence
  • Income verification
    • Confirmation of income and employment from your employers
    • The latest three (3) salary slips/pay stubs showing all deductions
    • Last 3 years certified audited accounts or last 3 years copies of individual income tax returns for NRG (for self-employed applicants)
    • Business Profile, Registration and Certificate to Commence Business. (for self-employed applicants)
    • Bank statements
  • Credit History
    • Credit Report from a recognized credit bureau or credit reporting agency for NRG
    • Bank Statements (At least six months)
  • Down Payment
    • Minimum Deposit or Down Payment for Home Purchase Mortgage Loan
  • Other Documents
    • Valuation Report (To be done by CalBank recommended Valuers) for Home Equity Release Mortgage, Home Completion Mortgage or if buying from a private vendor.
    • Proof of Developer having registered title to the property.
    • Evidence of developer taking insurance for work in progress.
    • Clear Land Title Documents with copies of site plan.
    • If foreigner, attach contract, work permit and resident permit
  • Pre-Disbursement Conditions
    • Cheques will be issued directly to the developer.
    • Bank to write to developer and do a spot swap of documents with direct payment
    • Evidence of life insurance policy with bank noted as loss payee
  • Post Disbursement Conditions
    • Insurance of property with bank noted as loss payee.
    • Ground rent and property rate
  • Security
    • Mortgage over property to be purchased.
    • Personal guarantee of applicant.
  • CalBank’s Designated Valuers
    • Valuation and Investment Associates
    • Valuation and Appraisal Consult
    • Assenta Properties