01
Business structure
Acquiring land with clean title, servicing it with roads and utilities, and selling serviced plots or built units.
02
Capital requirements
All figures in Ghana Cedis (GHs). These are planning estimates — get quotes from local suppliers before committing money.
Office setup and brandingGHs 150,000 – GHs 1,500,000
Marketing, listings and photographyGHs 130,000 – GHs 1,300,000
Vehicle for site visitsGHs 140,000 – GHs 1,400,000
GREAC registration and legal feesGHs 80,000 – GHs 800,000
Total initial investmentGHs 500,000 – GHs 5,000,000
03
Licensing & permits
The compliance path in Ghana, from registration through to sector regulators.
- 1Reserve the name and register the business at the Office of the Registrar of Companies (ORC)
- 2Get a TIN linked to your Ghana Card and register for tax at the nearest GRA office
- 3Apply for a Business Operating Permit from your Metropolitan, Municipal or District Assembly
- 4Register with the Ghana Real Estate Agency Council (as required by Act 1047)
- 5Do a Lands Commission search on every property before you list or buy
- 6Register the business and your staff with SSNIT once you start paying salaries
04
Target market
- Diaspora plot buyers
- Middle-income first-time owners
- Small developers
05
Risk assessment
01
Land litigation and multiple sales of the same plot
02
Long, unpredictable time to close a sale
03
Commission disputes with sellers and co-agents
04
Market slowdowns when interest rates climb
06
Marketing strategies
- 1List on meQasa, Jiji and Tonaton with verified photos
- 2Build a diaspora client base through Facebook groups and referrals
- 3Publish honest area guides and price data to earn trust
- 4Keep a WhatsApp broadcast of new listings for repeat buyers
Fees, levies and permit requirements change. Confirm the current position with the Office of the Registrar of Companies, the Ghana Revenue Authority and your Metropolitan, Municipal or District Assembly before you spend.
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