Question 1

What payment plans are available on Aburi Valley Homes?

Accepted Answer

Aburi Valley Homes is priced at US$150,000 off-plan. Spreading the payment raises the total: US$166,000 over three months, US$177,000 over six months, and US$193,000 over twelve months. Every plan is set out in a written schedule with dated instalments before you pay anything. There is also a mortgage route requiring 20 to 30 percent down.

Question 2

What kind of land title comes with the property?

Accepted Answer

Property in Accra is held on leasehold rather than freehold. Article 266(4) of the Constitution limits a non-citizen to a leasehold of 50 years at any one time, renewable at the end of the term. Ghanaian citizens commonly hold 99 years, which is market and state-land practice rather than a statutory ceiling. Every Bamboo Developers project is sold with a site plan, an indenture, a Lands Commission search and a building permit, all available to your lawyer before you commit.

Question 3

Can I buy if I live abroad or am not a Ghanaian citizen?

Accepted Answer

Yes. Non-citizens can own buildings in Ghana and hold the land beneath them on a 50-year lease. Ghanaian citizens abroad, and holders of the Right of Abode, can hold up to 99 years. Many of our buyers are diaspora purchasers in the UK and United States who complete the whole process remotely, with a local lawyer and a signed power of attorney.

Question 4

How long does construction take and when will I get the keys?

Accepted Answer

Aburi Valley Homes is targeted for handover in Q4 2027. A townhouse of this size typically takes 14 to 18 months from foundation to practical completion, plus a short commissioning period. You receive a written programme at contract stage and a monthly progress report with photographs. If a date moves, we tell you as soon as we know, not at the end.

Question 5

Is there a service charge, and what does it cover?

Accepted Answer

Yes. Gated schemes carry a monthly service charge covering manned security, borehole and pump maintenance, shared lighting, grounds upkeep, refuse collection and a sinking fund for gate and road repairs. At Aburi Valley Homes it is currently estimated at US$85 per home per month for the first year. The budget is shared in writing before handover and reviewed annually with owners.

Question 6

Do you work with mortgage lenders in Ghana?

Accepted Answer

Yes. Several Ghanaian banks offer residential mortgages in US dollars and cedis to both resident and diaspora buyers, typically requiring 20 to 30 percent down. We will introduce you to the lenders currently active on our schemes and provide the developer documentation they require. Rates, terms and eligibility are set by the bank, not by us, so seek independent advice.

Question 7

Can I visit the site before I buy?

Accepted Answer

Yes, and we encourage it. Site visits at Ayi Mensah run by appointment seven days a week, including Sundays. We will walk the plot, show you the construction stage, and point out where the boundaries and the sun fall. Buyers who cannot travel get a live video walkthrough with the site manager, plus dated photographs every month until completion.

Question 8

How does snagging and handover work?

Accepted Answer

Before handover you or your representative inspect the finished home and record every defect on a written snagging list. We agree a completion date for those items and re-inspect together before keys change hands. Each home then carries a defects liability period of 12 months from handover, covering workmanship and installed systems under normal use.

Question 9

What rental yield can I expect?

Accepted Answer

Well-located homes in Accra let to corporate and expatriate tenants have recently produced gross yields in the region of 6 to 9 percent in US dollar terms, before service charge, management fees, tax and void periods. Actual returns depend on furnishing, management and demand at the time. We can introduce local letting agents, but we do not guarantee any level of return.

Question 10

What taxes and fees should I budget for on top of the price?

Accepted Answer

Stamp duty on the conveyance is charged at 1 percent above GH¢50,000 under the Stamp Duty Act 2005 and is due within two months of execution. Add Lands Commission registration fees, which are flat or per acre rather than a percentage, your lawyer's fees, and any bank charges. Rates change, so confirm current figures with your lawyer before you complete.

Question 11

Is VAT charged on a new home, and what changed in 2026?

Accepted Answer

The VAT Flat Rate Scheme for estate developers was abolished on 1 January 2026. A new build sold by a VAT-registered developer now carries the standard rate rather than the previous 5 percent flat rate, which is a material difference on the total you pay. A private resale between individuals remains exempt. Ask us in writing for the VAT position on any specific unit before you reserve it.

Question 12

How long does it take to register the title in my name?

Accepted Answer

The Land Act 2020 presumes 90 days and the Lands Commission targets faster, but realistic experience in Greater Accra is three to four months, and complex cases run longer. You receive a trackable reference number when the application is lodged. Registration cannot proceed until stamp duty has been paid, so the Ghana Revenue Authority step gates the timeline.

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