Buying Property in Ghana? Watch Out for These 5 Red Flags

Buying property is one of the most significant investments you’ll ever make and in a market like Ghana’s, where regulation is still catching up with rapid growth, it’s easy to fall into costly traps if you’re not careful.

Here are five common red flags every buyer should look out for before signing a sale agreement:

1. Missing or Incomplete Title Documentation

The title deed is your legal proof of ownership. If the seller cannot produce the original title or only offers a copy, it’s a major warning sign. Even worse is when the title is under dispute, encumbered, or still in the name of a deceased person with no formal succession process.

What to do:

• Always request a copy of the title deed and conduct a search at the Lands Commission.
• Confirm it’s a clean title with no cautions, charges, or litigation.
• Ensure the name on the title matches the seller’s legal identity.

2. Unrealistically Low Prices

If a property’s price seems too good to be true, it probably is. Some brokers or sellers use low prices to bait buyers into transactions involving encumbered plots, road reserves, waterway land, or unapproved developments.

What to do:

• Research prevailing market rates for similar properties in the area.
• Ask the seller to justify the pricing, look out for vague or evasive responses.

3. Pressure to Pay Before Due Diligence

Be wary of sellers or agents urging you to make a deposit before reviewing legal documents or completing proper checks. Legitimate sellers understand the need for due diligence and will not rush the process.

What to do:

• Never send money based on photos, promises, or urgency.
• Have your lawyer structure a formal offer letter or sale agreement before making any payments.
• Consider using an escrow arrangement to safeguard your funds.

4. Unregistered or Informal Subdivisions

In rapidly growing areas, land is often subdivided without proper approvals. Buying from an unregistered subdivision could mean your “plot” is legally nonexistent.

What to do:

• Ask for approved subdivision plans and registered survey maps.
• Verify with the Lands Commission or survey office that the subdivision is official and individual plot numbers exist.

5. No Physical Access or Infrastructure Planning

Some plots are landlocked or rely on future infrastructure that may never be developed. Poor access and lack of utilities can hinder your ability to build and reduce long-term property value.

What to do:

• Visit the property in person and don’t rely solely on maps or brochures.
• Confirm the presence of road reserves, visible beacons, and physical access.
• Ask for documentation on utility connections (water, electricity, sewer) or a verified infrastructure plan.

Bonus Red Flag: Vague or Verbal Commitments

Avoid transactions based on informal promises like “the title is coming” or “we’ll issue documents after final payment.” Every commitment should be in writing, reviewed, and validated by your legal advisor.

Final Thoughts

The real estate market in Ghana is full of opportunity but also risk. The key to success is caution, verification, and professional advice. Don’t let pressure or excitement override smart decision-making. Buying property should feel empowering and not uncertain. When in doubt, pause, investigate, and protect your investment.

With over 30 years of experience, Trasacco is a name you can trust. From your initial inquiry to moving day and beyond, we are committed to providing exceptional homes. We pride ourselves on assembling a dedicated group of professionals committed to excellence in the real estate industry.

By Daniel Obodai
Senior Sales Manager