Prosper Hoetu
Chief Executive Officer
Welcome to the National
Homeownership Fund!
As a government-backed Fund, we at the National Homeownership Fund (NHF) believe that homeownership is the foundation for dignity, security, and growth. Therefore, every Ghanaian deserves a place to call a home, not just a roof over their head.
Our mission is simple – to make homeownership accessible and affordable for all.
We are not just facilitating access to homes for workers, we are building futures, strengthening communities, and unlocking the dreams of hardworking individuals and families across the country.
As CEO, I am deeply committed to advancing President John Mahama’s vision of providing smart homeownership solutions that provide affordable houses to Ghanaians by positioning the Fund as a trusted partner in Ghana’s housing sector.
Through innovative financing solutions, strategic partnerships and a people-centered approach, we are redefining homeownership in Ghana.
I invite both local and international partners to join us to provide decent and affordable homes and empower Ghanaians to own them.
Together, let’s turn keys into opportunities, and houses into homes.
Our Schemes
National Mortgage Scheme (NMS)
The National Mortgage Scheme (NMS) is a groundbreaking initiative designed to make homeownership more accessible and affordable for Ghanaians. Through strategic partnerships with leading banks such GCB Bank PLC, Republic Bank Ghana PLC, and Stanbic Bank Ltd, the NMS offers standardized, low-interest mortgage products tailored to meet the needs of the average Ghanaian worker.
Rent-to-Own Scheme
The Affordable Housing REIT Rent-to-Own Scheme is a bold, national solution designed to bridge the gap between renting and owning for Ghanaians, especially those in the low-to middle-income bracket.
Property Amenities
NHF Estate, Tema Community 22





NHF Estates, Shai-Hill




Our Partners




The best investment you can make is in the roof over your head!
People Trust Us
Our Mission
To promote homeownership through the development of mortgage finance and alternative products that meet the needs of stakeholders.
Our Vision
To be a world-class Intervention Fund that provides cutting-edge homeownership solutions in the most cost-effective way.
Core Values
- Integrity: Honest and ethical in all dealings.
- Excellence: Striving for perfection in service delivery.
- People: Respecting and valuing all stakeholders.