As you consider taking the big dive into being your landlord, a very important question to answer honestly is why exactly you want to buy a house. There are several benefits to owning property but it also comes with great responsibility which you have to make sure you are ready for. Once you are sure, you’ll need to decide what type of home suits your needs best – do you need a large single-family two-bedroom house in Accra or a three-bedroom house Outskirt of Accra? Would a condo in a prime neighborhood be better? Or perhaps a semi-detached house on the more quiet outskirts of the city? When you have that decision down, you need to figure out what top home features and amenities are important to you. This is your very own dream house so don’t compromise they can also be important if you sell in the future.

This depends a lot on how much you can afford so you will have to get your numbers together. Even if you get a home loan, you need to consider the required down payment and if you are comfortable with the monthly minimum payments. Those are not the only financial considerations.

As a homeowner, you need to think about property insurance, the need for frequent maintenance, and possible upgrades. If you are planning on taking out a mortgage, apply early to see if you qualify and how much they are willing to lend you. If they are offering less than you would have hoped then obviously, this may have a negative impact on the kind of house you were planning on purchasing.

Okay, you have done a lot of thinking and planning; you have been honest with yourself about what you can afford and what you need and want, and now it’s time to find a house to buy! How are you going to go about your property search? You can drive around looking for “For Sale” signs, find a real estate agent to work with directly or you can go the more efficient route – online real estate portals, like which offers seekers thousands of available property for sale in Ghana. To speed up your search and help you review the best options, Bayutech Properties provides valuable home seeker tools you should sign up to like Property Alerts and subscribe to our e-newsletter.