If you’re a Ghanaian living abroad, buying property back home means more than just money. It’s about staying connected to where you come from, building a future, and having a place to call your own.
Ghana’s real estate is growing, and in 2025, there will be a lot of chances to invest, even from far away.
Why Invest in Ghana from Abroad?
Ghana has a steady government and a growing economy. Cities like Accra, Kumasi, and Takoradi are expanding fast. This means more demand for homes, offices, and rentals.
The government supports diaspora investors through events like the Diaspora Property Expo and encourages people living abroad to invest back home.
What Makes Buying Property from Abroad Challenging?
Buying land or a home in another country can be tricky. One big risk is land fraud: sometimes the same piece of land is sold to different people. Since you’re not there in person, it’s harder to check documents or know if there’s a dispute.
Many people rely on family or friends to help, but that can cause delays or misunderstandings, especially with time differences and less transparency.
What Can You Buy in Ghana?
You can buy different kinds of property. There’s land, which can be freehold (yours forever) for Ghanaians or leasehold (yours for a set time).
You can buy finished houses, homes still being built, or off-plan properties (not built yet).
Apartments in gated communities are popular, too. If you want to earn rent, commercial buildings and rental homes are options as well.
Check out this ONO Aburi: The One and Only Haven of Serenity by Nouveau Realty Ltd in the heart of Aburi, a serene environment away from the chaos of big cities like Accra.
Legal Basics You Should Know
Understanding Ghana’s legal landscape is crucial:
- Ownership Rights: If you’re Ghanaian, you can fully own land. If you’re not, the law allows you to lease land for up to 50 years, with a chance to renew.
- Land Registration: All properties must be registered with the Lands Commission to prove ownership and avoid potential problems.
- Relevant Laws: Familiarise yourself with the Lands Act and the Land Use and Spatial Planning Act 2016 to understand how land is owned and used.
Buying Property from Abroad: Step-by-Step
Buying property remotely need not be distressing. You can do it peacefully. Just walk through this process:
1. Define your investment goals.
First, decide on your goal. Are you buying for family? For rental income? To retire in Ghana? Knowing this helps you pick the right property.
2. Engage verified professionals.
Next, get the right team. Don’t try to do everything alone. Hire a licensed real estate agent, a trusted lawyer, and a surveyor. They’ll help you stay legal and avoid mistakes.
3. Conduct due diligence.
When you find a property, do your homework. Check ownership with the Lands Commission. Look for unpaid taxes or any disputes. You can use the online portal of the Land Commission to verify property ownership and check for any encumbrances.
4. Secure a site plan.
Ask for a detailed site plan. Nowadays, you can even get drone footage or virtual tours to see the property without being there.
5. Draft and review contracts.
Make sure all agreements are written (legally binding) and checked by your lawyer. Don’t trust verbal promises.
6. Make secure payments.
Avoid paying cash directly to sellers. When paying, use bank transfers or escrow accounts so you can trace transactions.
7. Register your property.
After buying, register the property in your name at the Lands Commission. This step proves you own it.
Quick Read: Aburi Real Estate: Why This Scenic Town Is Ghana’s Next Big Investment Hub
Tools and Resources for Buying Property in Ghana
Several resources can assist diaspora investors:
- Online Portals: The Lands Commission offers some services online now. You can check land records, start registration, and verify titles from anywhere.
- Diaspora-Focused Platforms: Websites like Diaspora To Home help with remote consulting, finding properties, legal checks, and even building projects.
- Property Expos: You can also join property expos or webinars by Ghanaian embassies or real estate groups to get updates and meet trusted contacts.
Watch out for Scams.
Fraud happens, but you can avoid it. Always ask to see the land title or property documents and verify them through official sources.
Be careful with sellers who rush you or offer deals that seem too good to be true.
And never skip having a lawyer review contracts before signing or paying.
Managing Property While You’re Away
After buying property, you’ll need someone to manage it. Hire a reliable property manager for repairs, rent collection, and checks.
Smart security systems can help you monitor your place remotely. Also, keep up with property taxes and local fees to avoid legal trouble.
Check out these Top 5 Tips to Secure Your Dream Property in Ghana
Government Support for Diaspora Investors
The Ghanaian government supports diaspora investors. The Diaspora Affairs Office helps Ghanaians abroad understand investment rules. The Ghana Investment Promotion Centre (GIPC) offers advice on big real estate projects. These offices can guide you and answer your questions.
Conclusion
Buying property in Ghana while living abroad is doable. It takes planning, patience, and the right people on your side.
Do your research, work with professionals, and don’t rush. If you take your time, investing in Ghana can help you build wealth, support your family, and keep you close to home.