The National Housing Fund (NHF) and partners agreed on a plan to tackle Ghana’s housing finance problems at a conference held in Accra from October 7 to 8. The National Conference on Housing Finance 2026 gathered government officials, financial institutions, housing developers, development partners, regulators, employers, labour organisations, academia, and civil society under the theme “Adequate Housing for All: Innovative Financing for Ghana’s Housing Future.”
At the Mövenpick Ambassador Hotel, the NHF and other stakeholders adopted a communiqué committing to put into action the resolutions discussed during the conference. The NHF pledged to lead efforts to expand access to housing finance through new financing methods and by mobilising private investment in the housing sector.
The Fund also promised to develop risk-sharing, guarantee, and de-risking mechanisms aimed at improving financing opportunities for housing developers and potential homeowners. Another commitment involved promoting affordable housing finance products targeting formal and informal sector workers, alongside supporting social housing initiatives for vulnerable and underserved groups.
The NHF’s communiqué, adopted on October 8, stressed the need for closer collaboration among all stakeholders and agreed on the importance of addressing multiple barriers to affordable housing. These include finance, land administration, planning, infrastructure, affordability, sustainability, and institutional efficiency.
Workers and labour organisations signed on to several commitments. They promised to promote responsible savings and financial planning towards homeownership and to actively participate in housing finance programmes. They also pledged support for worker-centred housing finance solutions that reflect the realities of formal and informal employment. In addition, they agreed to collaborate with government, the Ghana Real Estate Developers Association (GREDA), NHF, and financial institutions to develop sustainable pathways to affordable housing. Finally, they committed to advocating for inclusive housing policies that ensure no worker is excluded from access to decent and affordable housing.
GREDA, meanwhile, committed to promoting the use of appropriate local materials in housing delivery to reduce costs. They said they would inject efficiency into the housing process to lower construction expenses and house prices. They also pledged to adopt green and resilient building practices to reduce homeownership costs and improve living conditions. GREDA promised to work with government, NHF, financial institutions, workers, and employers to develop affordable housing schemes.
The conference made clear that achieving “Adequate Housing for All” depends on coordinated action across the housing finance ecosystem. The NHF was charged with coordinating the implementation of these commitments and tracking progress.
All parties agreed to sustain dialogue and translate the resolutions into measurable actions. The NHF’s role in tracking progress aims to ensure the housing finance system in Ghana becomes more accessible, affordable, sustainable, and inclusive.
The conference’s outcomes confirm that addressing Ghana’s housing finance challenges requires more than funding. It demands a concerted effort involving multiple sectors to tackle systemic issues around land, planning, and policy enforcement alongside financial innovation.
According to 3News.
