How to Buy Land in Ghana Safely

A step-by-step Ghana land-buying guide—searches, site plan, indenture, permits, payments, and red-flags to avoid.

Buying land in Ghana is doable—if you follow a calm, documented process. Here’s the safest path we recommend to clients at Vista’O.

1) Confirm ownership
Request the seller’s proof of ownership (indenture, lease/title certificate) and a signed site plan with the unique plan number. If it’s stool/skin or family land, ask for the authorizing letter (and meet the principal elders/secretary in person).

2) Run a formal search
Do an Official Search at the Lands Commission using the site plan. This confirms who the records show as holder and whether the parcel is free, under dispute, or reserved (e.g., state land). If records flag “State Land” or uncertainty, stop and seek professional advice before proceeding.

3) Check zoning & permits
Visit the local Assembly/TCPD for zoning and permitted uses. If you plan a storey building, ask about building lines, setbacks, and height restrictions.

4) Verify access & services
Look for a motorable road, existing utility poles/pipes, drainage, and no flood markers. Ask about borehole/water delivery and internet options.

5) Agree the payment structure
Best practice: a Letter of Offer + Sales & Purchase Agreement with timelines, staged payments (e.g., 40/40/20), and penalties for breach. Avoid full cash before verification.

6) Execute transfer properly
Use a licensed lawyer to draft/verify the Deed of Assignment (or sub-lease) and ensure (stamp duty and registration are completed in your name. This is usually done by the clients).

7) Be site-smart
Demarcate and pillar your boundaries. Keep copies of all receipts, survey data, and maps in cloud storage.

8) Watch common red flags

• “Pay now, documents later.”

• Moving pillars.

• No principal signatory from the family/stool.

• Landguard threats or pressure selling.

9) Work with a vetted agent
A reputable brokerage (Such as Vista’O Real Estate) will pre-check documents, coordinate searches, and negotiate clean terms.

CTA:
Ready to verify a plot? Book a Land Due Diligence with Vista’O (WhatsApp: +233208930598