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- September 8, 2026
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8 Steps to Buying Property in Ghana
- Define your budget and preferred location
Consider the purchase price, legal fees, agency commission, stamp duty, registration fees and renovation costs.
- Engage a reputable estate agent
Work with an experienced agent who can identify suitable properties and arrange inspections.
- Inspect the property
Check the building’s condition, boundaries, access roads, utilities, drainage and neighbourhood. Engage a surveyor or engineer where necessary.
- Verify the seller’s ownership
Obtain copies of the land title or indenture, site plan, identification documents, building permit and property-rate receipts.
- Conduct due diligence
Instruct an independent lawyer/agent to conduct an official search with the Ghana Lands Commission, verify the seller’s authority, and check for disputes, mortgages, multiple sales, or boundary overlaps.
- Negotiate and document the terms
Agree on the price, payment schedule, completion date, items included in the sale and conditions for refund. These should be captured in a written sale and purchase agreement.
- Execute the transfer and make payment
Sign the assignment, lease or conveyance documents. Make payments through
traceable banking channels and obtain official receipts. Avoid paying the full price before due diligence is completed.
- Stamp and register the property
Pay the applicable stamp duty—property-transfer instruments are subject to stamping—and register the transfer with the Lands Commission. Keep the registered documents, receipts and handover records safely. GRA stamp-duty guidance
Golden rule: Never buy property based solely on a site plan, photocopied indenture or the seller’s assurances. Always use your own lawyer or agent to confirm ownership independently.