Ghana’s housing deficit—estimated at nearly two million units—is set to receive a major boost following a new mortgage partnership between State Housing Company Limited (SHC) and Republic Bank. The agreement aims to improve access to affordable home financing and ease long-standing affordability challenges within the housing sector. The memorandum of understanding (MoU), signed in Accra, is designed to expand mortgage availability to Ghanaians across various income levels, targeting one of the most significant constraints in the country’s real estate market. Despite strong demand for housing, mortgage financing remains inaccessible to many, preventing a large section of the population from entering the formal housing market.