The Minister of Works and Housing, Kenneth Gilbert Adjei, has announced that the government is overhauling the affordable housing programme to increase accessibility.
According to him, the revamped initiative targets middle and low-income earners who struggle to secure housing despite the programme’s name suggesting affordability.
Speaking at TV3’s National Thought Leadership Forum on the theme “From Blueprint to Brick: Making Affordable Housing Work” on Tuesday, September 23, 2025, the Minister noted that the government has drawn lessons from past experiences and best practices in other jurisdictions to tackle the issue.
According to him, the revised policy involves collaboration with the private sector and other stakeholders to ensure that the average Ghanaian doesn’t face undue hardship in accessing housing meant to be affordable.
“We have revised the Affordable Housing Programme, which builds upon lessons from past initiatives and the shared experiences of other countries. In partnership with the private sector, financial institutions and trade unions, we are focusing on low to middle income earners, the backbone of our nation. Government provides land and horizontal infrastructure, while the private sector contributes vertical infrastructure,” he stated.
He explained further that “this collaborative approach ensures that the housing built truly meets the needs of our people.”
Government, according to the Minister, is engaging traditional authorities and the Lands Commission to readily make available, idle lands for affordable housing.
“We are also working closely with traditional authorities and the Lands Commission to unlock, underutilise land and expedite titling for affordable housing projects.”
He also shared the government’s plan to use the National Home Ownership Fund” to partner key financial institutions to bring up low-interest mortgage options in the long run to help salvage the housing deficit in the country.
“…we are introducing long-term low-interest mortgage options, complemented by rent-to-own schemes and developer-backed payment plans.”
The vision, he reemphasised, is to “ensure that housing finance is accessible and aligned with the realities of all citizens.”
Ghana faces a significant housing deficit, with high costs and limited access to affordable housing. To address this, calls have intensified for increased government investment in affordable housing projects, public-private partnerships, and innovative financing options to make homeownership more attainable for low- and middle-income earners.
