Find an ATM


Branch ATM Locations

Junction Shopping Centre Branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Accra Financial Centre

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Accra Mall

Near Tetteh Quarshie Inter-change
Spintex Road

Achimota Mall

Near Dome, St. Johns Junction
Accra-Nsawam Road

West Hills Mall

West Hills Mall
Dunkonah - Accra

Tema

Giaan Towers
Hospital Road
Community 11 - Tema

Airport Branch

1 Kofi Annan Street
Airport Residential Area
Accra

Tema Community One Branch

Ground Floor
Lodestar Heights
Community One, Tema

Takoradi Branch

Ground Floor
Far West Building, B Market Circle
Takoradi

Kumasi Branch

Ground Floor, Annex Building
SSNIT Complex, Harper Road
Adum, Kumasi



Off-Site ATM Locations

Osu ATM

Total Filling Station
Oxford Street, Osu
Accra

Spintex ATM

Shell Filling Station
Spintex Road (next to Agapet Filling station)
Accra

Agbogba Junction ATM

Shell Filling Station,
Agbogba Junction (Adjacent KFC)
Accra

Tema Community 1 ATM

Total Filling Station
Behind Tema Sport Stadium

A&C Mall

14 Jungle Road,
East Legon,
Accra

Find a branch


Branch Locations

Junction Shopping Centre Branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GZ-065-9443

Accra Branch

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: Closed

Telephone
+23 324 243 5050

Ghana Post GPS: GA-107-1953

Accra Mall Branch

Plot No. C11, Spintex Road
Accra
Shop Numbers 67 & 68

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GL-152-3649

Achimota Mall Branch

Parcel No.9563, Block 11, Section 158
Situate at Achimota, Shop Numbers 93 & 95
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GE-361-2503

West Hills Mall Branch

Plot Areas A, B and C West Hills Mall
Limited situate at Dunkonah - Accra
Shop Numbers 77 & 79

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-0207-6718

Makola Branch

Ground Floor Banking Space 3
Mall Phase II
Makola-Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-142-9659

Tema Branch

Giaan Towers
Hospital Road
Community Eleven − Tema

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-078-9610

Airport Branch

1 Kofi Annan Street
Airport Residential Area
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-152-7027

Tema Community One Branch

Ground Floor
Lodestar Heights
Community One, Tema

Business hours:
Monday - Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-021-1316

Market Circle Branch

Ground Floor
Far West Building, B Market Circle
Takoradi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: WS-245-1885

Adum Branch

Ground Floor, Annex Building
SSNIT Complex, Harper Road
Adum, Kumasi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: AK-037-5268

Please take note of the GPS numbers


Agency Plus Locations

Dadziemens Ventures

Frafraha

Business hours:
Monday − Sat: 08h00 − 17h30
Sunday: 14h30 − 19h00

Ghana Post GPS: GD-019-5429

Wanako Plus Ventures

Adenta Goil Filling Station

Business hours:
Monday − Sat: 08h30 − 21h00
Sunday: 11h30 − 21h00

Ghana Post GPS:GD-000-8589

Brobbson Pharmacy

Tema Community 25

Business hours:
Monday − Sat: 07h00 − 21h00
Sunday: 12h00 − 22h00

GhanaPost GPS - GK-0646-9995

Pretty Image Enterprise

Control - Dansoman

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GK − 540-04850

Pretty Image Enterprise

Control - Dansoman

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GK − 540-04850

Kabby Chemists

Kaneshie

Business hours:
Monday − Sat: 24 hours
Sunday: 24 hours

Ghana Post GPS: GA-310-8373

Healthaid Pharmacy

Kwashieman

Business hours:
Monday − Sat: 08h00 − 21h30
Sunday: 08h00 − 21h30

Ghana Post GPS: GA-530-8988

Bodel Limited

Agbogba

Business hours:
Monday − Fri: 09h00 − 18h30

Ghana Post GPS: GM-059-4962

Tesbury Supermarket

EPP Legon

Business hours:
Monday − Fri: 08h00 − 19h00
Saturday: 08h30 − 19h00

Ghana Post GPS: GA-310-8373

EPP Bookshop

Trade Fair - La

Business hours:
Monday − Fri: 08h30 − 17h00
Saturday: 09h00 − 16h00

Ghana Post GPS: GL-022-8606

Mega Max

Dansoman

Business hours:
Monday − Fri: 08h00 − 18h00
Saturday: 09h30 − 16h00

Ghana Post GPS: GA-536-0695

Topmed Pharmacy

Medie

Business hours:
Monday − Fri: 08h00 − 21h00
Saturday: 08h00 − 21h00
Saturday: 10h00 − 21h00

Ghana Post GPS: GW-0487-2849

Ghana Reference Rate


Ghana Reference Rates 14.77%

Day to day banking

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Junction Shopping Centre branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Business hours:
Monday - Friday: 08h30 - 16h00
Saturday: 09h00 - 14h00

Accra Branch

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Business hours:
Monday - Friday: 08h30 - 16h00
Saturday: 09h00 - 14h00

Accra Mall Branch

Plot No. C11, Spintex Road
Accra, Shop Numbers 67 & 68

Business hours:
Monday - Friday: 08h30 - 16h00
Saturday: 09h00 - 14h00

Achimota Mall Branch

Parcel No.9563, Block 11, Section 158
Situate at Achimota, Shop Numbers 93 & 95

Business hours:
Monday - Friday: 08h30 - 16h00
Saturday: 09h00 - 14h00

West Hills Mall Branch

Plot Areas A, B and C West Hills Mall
Limited situate at Dunkonah - Accra
Shop Numbers 77 & 79

Business hours:
Monday - Friday: 08h30 - 16h00
Saturday: 09h00 - 14h00

First-time buyer


Our First-Time Buyer Home Loan is designed for those looking to purchase their first home and require the much need property acquisition due-diligence to ensure the journey to home ownership is easy and hassle-free. Available to resident and non-resident Ghanaians, get funds in GHS, USD or GBP and up to 20 years to service this home loan.

To get started, identify a house you wish to acquire, negotiate the terms of purchase with the vendor and obtain an offer letter for the property to qualify for our First-Time Buyer Loan.

Buy to let


Expand your property portfolio with our Buy to Let Home Loan. Let us help you make the right property investment decision if your desire is to purchase an additional house for the purpose of renting it out. Available to resident and non-resident Ghanaians, access funds in GHS, USD or GBP and use up to 20 years to service this home loan.

To get started, identify a house you wish to acquire, negotiate the terms of purchase with the vendor and obtain an offer letter for the property to qualify for our Buy To Let Home Loan.

100% Purchase


As a first-time home buyer, we can help you purchase your ideal home even if you are unable to raise the required minimum deposit. You can apply for our 100% Purchase Home Loan with an additional insurance policy of up to 30% of the purchase price of the property. Get funds in GHS, or its GHS equivalent in USD or GBP and up to 20 years to service this home loan.

To get started, identify a house you wish to acquire, negotiate the terms of purchase with the vendor and obtain an offer letter for the property to qualify for our 100% Purchase Home Loan. This Home Loan is only available to resident Ghanaians.

Home Construction Mortgage


Home Construction

Build a house of your choice on a plot of land you already own using our Home Construction Home Loan. This two-part loan consists of an initial one-year construction loan rolled into a long-term facility loan that is payable over up to 20 years.

Our Home Construction Home Loan is available to resident and non-resident Ghanaians and funds can be accessed in GHS, USD or GBP.

Home Completion

This facility helps you finance the completion of a house by giving you the funds you need to purchase roofing materials, windows, doors, tiles, and other finishing products. This is a two-part loan, which comprises an initial one-year home completion loan which is then rolled into a long-term facility loan.

Our Home Completion Home Loan is available to resident and non-resident Ghanaians. Get access to funds in GHS, USD or GBP and use up to 20 years to service this home loan.

Your property must be for residential use and you must have evidence to show ownership of the land - Land Title Certificate, Fully Registered Indenture, or any other document acceptable to First National Bank.

Home Purchase Loan


With the passage of time comes the desire for new and better things and the home you live in is no different. Your first home may not be the only home you wish to live in your entire life. Get the Home Purchase Home Loan today to acquire your next residential property.

Available to resident and non-resident Ghanaians, get funds in GHS, USD or GBP and up to 20 years to service this home loan.

To get started, identify a house you wish to acquire, negotiate the terms of purchase with the vendor and obtain an offer letter for the property to qualify for our First-Time Home Loan.

Find a branch


Branch Locations

Junction Shopping Centre Branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GZ-065-9443

Accra Branch

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: Closed

Telephone
+23 324 243 5050

Ghana Post GPS: GA-107-1953

Accra Mall Branch

Plot No. C11, Spintex Road
Accra
Shop Numbers 67 & 68

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GL-152-3649

Achimota Mall Branch

Parcel No.9563, Block 11, Section 158
Situate at Achimota, Shop Numbers 93 & 95
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GE-361-2503

West Hills Mall Branch

Plot Areas A, B and C West Hills Mall
Limited situate at Dunkonah - Accra
Shop Numbers 77 & 79

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-0207-6718

Makola Branch

Ground Floor Banking Space 3
Mall Phase II
Makola-Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-142-9659

Tema Branch

Giaan Towers
Hospital Road
Community Eleven − Tema

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-078-9610

Airport Branch

1 Kofi Annan Street
Airport Residential Area
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-152-7027

Tema Community One Branch

Ground Floor
Lodestar Heights
Community One, Tema

Business hours:
Monday - Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-021-1316

Market Circle Branch

Ground Floor
Far West Building, B Market Circle
Takoradi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: WS-245-1885

Adum Branch

Ground Floor, Annex Building
SSNIT Complex, Harper Road
Adum, Kumasi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: AK-037-5268

Please take note of the GPS numbers


Agency Plus Locations

Dadziemens Ventures

Frafraha

Business hours:
Monday − Sat: 08h00 − 17h30
Sunday: 14h30 − 19h00

Ghana Post GPS: GD-019-5429

Wanako Plus Ventures

Adenta Goil Filling Station

Business hours:
Monday − Sat: 08h30 − 21h00
Sunday: 11h30 − 21h00

Ghana Post GPS:GD-000-8589

Brobbson Pharmacy

Tema Community 25

Business hours:
Monday − Sat: 07h00 − 21h00
Sunday: 12h00 − 22h00

GhanaPost GPS - GK-0646-9995

Pretty Image Enterprise

Control - Dansoman

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GK − 540-04850

Pretty Image Enterprise

Control - Dansoman

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GK − 540-04850

Kabby Chemists

Kaneshie

Business hours:
Monday − Sat: 24 hours
Sunday: 24 hours

Ghana Post GPS: GA-310-8373

Healthaid Pharmacy

Kwashieman

Business hours:
Monday − Sat: 08h00 − 21h30
Sunday: 08h00 − 21h30

Ghana Post GPS: GA-530-8988

Bodel Limited

Agbogba

Business hours:
Monday − Fri: 09h00 − 18h30

Ghana Post GPS: GM-059-4962

Tesbury Supermarket

EPP Legon

Business hours:
Monday − Fri: 08h00 − 19h00
Saturday: 08h30 − 19h00

Ghana Post GPS: GA-310-8373

EPP Bookshop

Trade Fair - La

Business hours:
Monday − Fri: 08h30 − 17h00
Saturday: 09h00 − 16h00

Ghana Post GPS: GL-022-8606

Mega Max

Dansoman

Business hours:
Monday − Fri: 08h00 − 18h00
Saturday: 09h30 − 16h00

Ghana Post GPS: GA-536-0695

Topmed Pharmacy

Medie

Business hours:
Monday − Fri: 08h00 − 21h00
Saturday: 08h00 − 21h00
Saturday: 10h00 − 21h00

Ghana Post GPS: GW-0487-2849

Ghana Home Loans


A solution for your housing needs

First National Bank has enhanced home loans offerings, allowing us to offer you more! These additions to our borrowing products seek to provide financial assistance to anyone looking to purchase, improve or capitalize from their property - whether they are here on Ghanaian soil, or abroad.

Read the full brochure.

Home Purchase Mortgage


Whether you're a first-time buyer, buying to let or making a 100% purchase, we can help you.

First-time buyer

This product serves the needs of borrowers looking to buy their first home. This offer is exclusive to those who have never purchased a residential property before.

Read more

Buy to let

Buy to let is offered to borrowers who already own a residential property that they currently live in, but wish to buy another investment property for the purpose of renting it out to tenants.

Read more

100% Purchase

This is a variant of the first-time buyer home loan product. If you are a resident Ghanaian looking to buy your first home, but cannot afford to raise the minimum deposit, you can apply for a 100% loan from First National Bank to purchase the property.

Read more

Home Purchase Loan

Home Purchase is designed to help existing homeowners buy an additional, or different, residential property to live in.

Read more

Home Construction Mortgage


Build your home from scratch or complete your dream home with these options.


Home Construction

You've got the land, you've got the building plans, but you don't have the funds to build your dream home. We are here to help.

This is a two part loan which comprises an initial one year interest only construction loan rolled into a mortgage facility that is repaid over a longer term.

Home Completion

Use our Home Completion Mortgage to purchase roofing materials, windows, doors, tiles, and all other finishing products to complete your property.

This is a two part loan which comprises an initial one year interest only home completion loan which is then rolled into a mortgage facility that is repaid over a longer term.

Read more

 
 

Land Purchase Mortgage


Let's help you own already serviced parcels of land. Sign up for our Land Purchase Home Loan to buy a serviced plot of land, payable in 3 to 5 years.


If you are seeking to buy land that is pre-designated for residential use, our Land Purchase Home Loan is perfectly designed for you. Identify the parcel of land you wish to purchase and obtain an offer letter from the vendor after agreeing on the terms of sale in order to qualify for this loan.

Home Owners Mortgage


For homeowners who wish to borrow on a long-term basis using their home as collateral.

 

Equity Release

With our Equity Release Mortgage, you can enjoy the best of both worlds by getting the funds you need and repay over the long term, while still maintaining ownership of your house. Paying for college tuition, investing in the expansion of your business or looking after your family's needs has never been easier.



Home Improvement

Got plans to extend or renovate your home? This mortgage loan is just for you. Borrow long term, using your home as collateral to get funds to revamp your property.



Save-to-Own


Owning a home is a dream that may seem a little scary to achieve because it often is a big lifetime investment.

With our Save-To-Own account, we make it easier for you to take the first step towards home ownership by breaking it down into small achievable steps.

If you are self-employed and do not have a regular flow of steady income, or you simply don't have all the money you need to make the required down-payment on a house, then this account is for you.

 

Applying made easy


Ghana Home Loans

How to get it

Apply now

Email completed forms to

ghanahomeloans@firstnationalbank.com.gh

Other ways to apply

Call me back

Other ways to apply

Contact us

Find a branch

Documents needed

  • Copy of your valid identity document (ID)*
  • Latest 3 months bank statement*
  • Latest 6 months bank statement (if not banking with First National Bank Ghana)
  • Introduction letter from employer if employed
  • Marriage certificate (if applicable)
  • Details of the property you are buying (duly signed Offer to Purchase)

*For you and your co-applicant (where applicable)