National Homeownership Fund The National Homeownership Fund Limited (NHF) is a state-owned company with the mandate to address challenges of homeownership in Ghana by creating a framework that encourages the participation of the private sector in the homeownership market. Learn More National Homeownership Fund The National Homeownership Fund Limited (NHF) is a state-owned company with the mandate to address challenges of homeownership in Ghana by creating a framework that encourages the participation of the private sector in the homeownership market. Learn More National Homeownership Fund The National Homeownership Fund Limited (NHF) is a state-owned company with the mandate to address challenges of homeownership in Ghana by creating a framework that encourages the participation of the private sector in the homeownership market. Learn More

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

Multimedia Center

Private Territory

Guest Suites

Car Parking

Yoga Studio

Pet House

Fast Internet

Swimming Pool

NHF Estate, Tema Community 22

NHF Estates, Shai-Hill

Built Homes
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Satisfied Clients
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Locations
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Board

Our board is composed of dedicated individuals who bring a wealth of experience and passion to our mission. Together, they shape the vision and guide the direction of our organization.

Our Partners

The best investment you can make is in the roof over your head!

People Trust Us

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