In a timely response to Ghana’s strengthening economic fundamentals and the appreciating Ghana cedi, Republic Bank (Ghana) PLC has launched a groundbreaking Low Cedi Mortgage Interest Rate Campaign.

The initiative, running until August 2025, is aimed at delivering one of the most competitive mortgage financing solutions in the market today, enabling more Ghanaians to own homes with ease and financial confidence.

The campaign is designed to leverage the stability of the cedi and pass those benefits onto the Ghanaian public. With mortgage interest rates now firmly in the ‘teens’ and fixed throughout the loan term, the Bank is setting a new benchmark in affordability and accessibility in Ghana’s real estate sector.

Republic Bank’s Managing Director, Dr. Benjamin Dzoboku, highlighted the broader impact of the campaign on financial well-being.

“At Republic Bank, we understand that homeownership is more than a dream, it’s a cornerstone of financial independence and stability. With the cedi performing strongly, we are passing the benefits onto Ghanaians through highly attractive mortgage packages. This is a golden moment for potential homeowners to make their move.”
Dr. Benjamin Dzoboku

Dr. Dzoboku’s remarks reflect the Bank’s broader commitment to financial inclusion and economic empowerment, emphasizing that the current economic climate provides a rare window of opportunity for individuals and families to invest in property ownership at a lower long-term cost.

Tailored Solutions for Every Homebuyer

Mr. Dan Adjetey Mohenu, Head of Mortgage at Republic Bank, elaborated on the unique features of the campaign. “Our reduced cedi mortgage interest rates translate into increased loan amounts, substantial savings on total interest paid, and flexible terms to suit every borrower’s need,” he explained.

Whether it’s purchasing a first home, upgrading to a new residence, or refinancing an existing mortgage, Republic Bank’s new campaign is designed to accommodate a broad spectrum of customers. Mr. Mohenu also noted that individuals currently servicing mortgages with other financial institutions can refinance through Republic Bank to benefit from the lower rates and enhanced terms.

Meanwhile, this ambitious mortgage campaign offers a range of attractive benefits that make it stand out in the current market. Among these are:

Interest rates fixed in the ‘teens’: Offering predictability and peace of mind over the long term.
Lower monthly instalments: Making it easier for families to manage their monthly budgets.
Long-term savings on interest payments: Significantly reducing the total cost of homeownership.
Flexible loan arrangements: Tailored to suit the unique financial profiles of different borrowers.
Expert mortgage advisory services: Providing end-to-end support throughout the home buying or refinancing process.

These benefits underscore Republic Bank’s commitment to providing a customer-centric approach to mortgage financing, helping clients make informed decisions that align with their financial goals.

A Leader in Mortgage Innovation

Republic Bank has long established itself as a leader in Ghana’s mortgage financing landscape. Through consistent innovation and customer-focused strategies, the Bank has remained at the forefront of making homeownership achievable for many Ghanaians. The new mortgage campaign further strengthens this reputation, aligning with the Bank’s vision to simplify access to housing finance during a time of economic optimism.

The rollout of this campaign is not just a business move—it is a national development initiative. By reducing the barriers to homeownership, Republic Bank is contributing to broader economic stability, social equity, and improved quality of life for countless Ghanaians.

With the economic indicators favoring a strong cedi and Republic Bank offering its most competitive mortgage rates yet, this is an ideal time for Ghanaians to take the leap into homeownership or improve their current housing situation.

The Bank’s fixed-rate, low-interest mortgage campaign provides a rare opportunity to make a long-term investment under favorable conditions. Backed by Republic Bank’s trusted advisory services and customer-first ethos, the campaign promises to transform lives and shape communities across Ghana.