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  Purchase Guide

Collect an Application Form from any of our offices, complete it and return it to our office . Thereafter you will be given an Offer Letter and Sales Agreement from our Head Office in Accra. (Download Form)

Before allocation is made, certain conditions must be met. These are as follows

• Receipt of written confirmation of acceptance of our offer letter as well as a copy of our Sales Agreement duly executed by you.

• Receipt of initial deposit of 40% of the total cost of the house on offer.

After allocation, the following programme of payment will apply:

• 40% - Stage Payment at Roofing Level

• 20% - Final Payment at Closing.

•Receipt of initial deposit of 50% of the total cost of the house on offer.

•Remaining balance will be paid over a period of 8 months.

• Unit will ONLY be handed over upon receipt of total cost of the house.

There are now a growing number of financial institutions in Ghana (HFC and  Ghana Home Loans)  which have available mortgage finance schemes for resident and non-resident Ghanaians that you may wish to explore.

We actively cooperate with such institutions and where necessary and without any liability, we will use our good offices as far as practicable to monitor the processing of your application for a facility from any of these institutions to buy a house from us. 
When applying to any of them for a mortgage facility, you need to take our offer letter to them and fill out their application form. Subject to meeting their requirements, you will be issued a facility letter confirming their agreement to provide mortgage financing.

We will make allocation at such time when all pre-conditions set by the mortgage finance institution have been met by you and you have executed our Sales Agreement.




Upon completion, Regimanuel Gray Ltd will send a final invoice to you along with a Statement of Account which will indicate the amount of final payment. The final invoice will include total cost of house and documentation fee (cost of preparation of title of deed, site, plan and other relevant documents covering the ownership of the property.) Keys will be released only when the outstanding payments have been paid in full and all documents have been executed.

Certain fees such as Electricity Meter Fee and Water Meter Connection fees are not included in the final invoice. You will be expected to make separate arrangements for payment in respect of these.

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