Building Construction
Invest in Ghanaian Real Estate the Smart Way
Earn up to 18% annual returns or share in project profits — all backed by real property assets.
🏆About Relic Mortgage
Relic Mortgage is Ghana’s trusted private real estate co-investment platform.
We connect smart investors with professionally developed housing projects across Accra, from gated communities to apartment blocks. Through our joint venture (jv) model, we offer capital partners a legally secure, low-risk, high-return opportunity.
How It Works
It’s simple. You invest, we build, and you earn.
We create a project-specific SPV to hold the land and manage the build.
You sign a JV Agreement and contribute capital (from GHS 100,000).
We develop the property, manage permits, build, and market.
You receive fixed annual returns or a share of profits after the project sale.
Your full capital is returned at the end of the 3–5 year cycle.
All funds are used for real, titled land-based projects, not pooled or speculative trades.
Our Building Construction Services
What You Earn
| Investment Option | Return | Payout | Term |
|---|---|---|---|
| Fixed Return | Up to 18% annually | Yearly | 5 Years |
| Profit Share | Up to 30% of net profit | End of project | 3–5 Years |
All contributions are contract-protected and backed by real estate. You can even assign your investment to a next of kin.
Why Choose Relic Mortgage
Real Projects Only – Titled land, physical development
No Licensing Risk – Private JV agreements, not public deposits
Capital Security – Returns are tied to land and buildings
Clear Exit Options – Capital repaid at the end, or earlier under set terms
Transparent Reporting – Quarterly updates, annual statements, SPV audits
Institutional & Public Construction Project Spotlight
Relic East Hills Apartments – East Legon Hills, Accra
20 modern 2-bedroom apartments
1-year construction, 4-year rental or sale
Investor target: GHS 1M (from private JV partners)
Returns: 14% annually or 25% profit share
Home Buyer Mortgage Support
We help qualified buyers access mortgage financing from top banks in Ghana to purchase properties marketed or developed by Relic Casa Ltd.
Services Include:
Prequalification assessment
Mortgage application processing
Property documentation packaging
Liaising with banks (e.g. Stanbic, Zenith, Republic, Fidelity, Absa)
Buyer education & repayment planning
Developer Mortgage Advisory
Site Inspection & Feasibility Study
Project Estimation & Material Selection
Foundation Works (earthworks, reinforcements, casting)
Superstructure (blockwork, columns, slabs, roofing)
Finishing (plastering, painting, tiling, electrical, plumbing)
Final Quality Check & Handover
Each step is monitored by experienced supervisors and certified professionals to ensure that your structure meets local and international standards.
Mortgage Application Packaging
We professionally prepare and submit your mortgage application with all the proper supporting documents to speed up approval and minimise back-and-forth delays.
We handle:
Application forms
Proof of income, ID & employment
Property documents
Valuation reports
Bank follow-ups
Is This Regulated?
Yes — and responsibly so.
Relic Mortgage does not collect public deposits or operate as a fund. We work under Ghana’s Companies Act through private contracts and project-specific SPVs. Each investor enters a signed JV Agreement backed by land ownership and audited financial tracking.
Get Started
Ready to grow your wealth with real property?
Click below to speak with our investor team and receive our latest project pack.
What is the Mortgage + JV Hybrid Plan?
The Mortgage + JV Hybrid Plan by Relic Mortgage is an innovative real estate solution that allows you to:
Invest in a Relic housing project as a co-developer
Earn guaranteed annual returns
Use your returns or capital to purchase your own home at maturity
It’s a smarter, more flexible path to home ownership in Ghana, designed for forward-thinking individuals, diasporans, and young professionals who want to build wealth while preparing to buy property.