The National Conference on Housing Finance 2026, convened by the National Housing Fund (NHF), adopted a communiqué on Thursday, October 8, at the Mövenpick Ambassador Hotel in Accra. The statement commits government, financial institutions, housing developers, labour organisations and other stakeholders to coordinated action to improve access to affordable housing in Ghana.
Under the agreement, the NHF will coordinate implementation of the commitments and monitor progress. The fund pledged to promote innovation in the housing finance sector and expand access to financing for prospective homeowners and housing developers. It will develop risk‑sharing, guarantee and other mechanisms to reduce financing barriers and promote affordable housing finance products for workers in both the formal and informal sectors.
The communiqué also calls for the establishment of a national homebuyers database and a digital marketplace to connect housing demand with available homes and finance providers. Other commitments include mobilising private investment, supporting social housing for vulnerable and underserved groups, and setting up mechanisms to monitor and report on progress.
Workers and labour organisations pledged to promote responsible savings and financial planning to support homeownership, and to participate in housing finance programmes that reflect the circumstances of workers in both formal and informal employment. They will collaborate with government, the Ghana Real Estate Developers Association (GREDA), the NHF and financial institutions to develop sustainable pathways to affordable housing and advocate for inclusive housing policies.
GREDA committed to promoting the use of appropriate local building materials, improving efficiency in housing delivery to reduce construction costs and house prices, and encouraging green and climate‑resilient building practices. The communiqué emphasises that improving access to adequate housing will require coordinated action on financing, land administration, urban planning, infrastructure, affordability, sustainability and institutional effectiveness.
“The Conference further commits to translating these resolutions into measurable actions, tracking progress periodically and sustaining dialogue among stakeholders to build an accessible, affordable, sustainable and inclusive housing finance system for Ghana,” the communiqué stated.
Ghana’s housing deficit has been estimated at more than 1.8 million units, while rapid urbanisation and rising construction costs continue to complicate efforts to provide affordable homes. Access to housing finance remains a significant challenge, particularly for informal sector workers who often lack the regular income documentation or conventional employment arrangements required by traditional mortgage providers.
With the NHF expected to lead efforts to implement the agreed commitments, the conference sought to bring stakeholders across the housing sector together to identify coordinated responses to these challenges and move the country closer to the goal of adequate housing for all.
