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President John Dramani Mahama is expected to open the two-day National Conference on Housing Finance in Accra on October 7, 2026, as stakeholders seek innovative financing solutions to expand access to adequate and affordable housing in Ghana.
The conference, organised by the National Homeownership Fund (NHF), will take place at the Mövenpick Ambassador Hotel under the theme, “Adequate Housing for All: Innovative Financing for Ghana’s Housing Future.”
President Mahama, who will serve as Guest of Honour, is expected to deliver the keynote address at the opening session, bringing together stakeholders from government, financial institutions, the private sector, development institutions, civil society, academia and local government.
Housing finance challenges remain a major barrier
The conference comes as Ghana continues to face significant challenges in expanding access to affordable housing, including high construction costs, limited long-term financing, mortgage affordability constraints and difficulties faced by low- and middle-income households.
The NHF has identified the housing finance gap as a key constraint to homeownership, with its policy work highlighting the limited depth of Ghana’s mortgage market and the difficulty many households face in affording formal housing under existing financing arrangements.
The Fund said the conference would examine how Ghana can mobilise and deploy capital more effectively to expand housing opportunities, particularly for low- and middle-income households.
Discussions will also focus on the current state of the country’s housing finance ecosystem and potential approaches to increase access to sustainable and affordable financing.
Stakeholders to explore innovative financing models
The event is being organised in collaboration with the Ministry of Finance, Ministry of Works, Housing and Water Resources, Ministry of Local Government, Chieftaincy and Religious Affairs, the Bank of Ghana and Shelter Afrique Development Bank.
Financial institutions, labour unions and private-sector stakeholders are also expected to participate in the discussions.
The conference is expected to move beyond identifying challenges and provide a platform for stakeholders to develop “actionable financing solutions, institutional reforms and partnerships” capable of shaping Ghana’s housing sector.
The discussions are expected to culminate in a policy outcomes communiqué containing recommendations to guide policy development, implementation and resource mobilisation for housing.
NHF targets wider access to homeownership
The National Homeownership Fund is a state-owned housing finance institution established to address barriers to homeownership by encouraging greater private-sector participation and developing innovative financing solutions.
The Fund works with financial institutions, labour unions, developers and other stakeholders to expand access to mortgage finance and alternative homeownership products.
Its interventions include local-currency mortgage schemes and rent-to-own programmes designed to make homeownership more accessible to low- and middle-income households. NHF also works with private and public-sector developers to support the delivery of affordable housing.
The Fund has also partnered financial institutions to develop a national database of prospective homeowners, intended to help government, developers and lenders better understand housing demand, household incomes and the types of properties required in different locations.
Financing expected to remain central to housing strategy
The conference forms part of activities marking World Habitat Day 2026, which highlights the importance of adequate housing and sustainable human settlements.
The event comes against a backdrop of renewed government efforts to expand housing supply and improve affordability. In August, President Mahama announced plans for a broader National Housing Programme and said the government was working with financial institutions, including the Home Ownership Fund, on tailored mortgage products with lower interest rates.
The government has also outlined plans to revive the Saglemi Affordable Housing Project, with the first 700 units scheduled for completion and sale by March 2027 and the remaining 800 units expected by December 2027.
For the NHF, expanding financing mechanisms remains critical to bridging the gap between housing demand and the ability of households to afford homes.
The Fund said the national conference reflects Ghana’s commitment to strengthening the institutions, systems and financing structures needed to make adequate and affordable housing more accessible.
As policymakers, lenders, developers and other stakeholders converge in Accra, the focus will be on turning financing gaps into practical solutions capable of supporting sustainable homeownership and expanding participation in Ghana’s housing market.
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