4 bedroom house for sale at Shai Hills

The National Homeownership Fund Limited (NHF) is a state-backed Ghanaian institution created to make homeownership accessible and affordable for low- to middle-income workers. It does this by building a framework that draws private-sector participation into the housing market through innovative financing and strategic partnerships.

On the demand side, NHF collaborates with labour unions to maintain a national database of prospective homeowners and works with financial institutions to strengthen Ghana’s mortgage market. It also backs Real Estate Investment vehicles that provide guaranteed off-takers for affordable housing projects. On the supply side, NHF partners with both private and public developers to deliver resource-efficient homes that meet the needs of working Ghanaians. This includes its IFC EDGE-certified housing project in Tema Community 22.

Key initiatives include the National Mortgage Scheme (NMS), which partners with four banks to provide local-currency mortgages for public and private sector workers, already benefiting over 500 people. NHF has also established two Real Estate Investment Trusts (REITs) to support affordable Rent-To-Own schemes. Through collaborations with developers like TDC Development Company and various financial institutions, NHF continues to expand housing supply while ensuring affordability and sustainability.