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15Jan’26
LAND BUYING CHECKLIST IN GHANA: A PRACTICAL DUE DILIGENCE GUIDE FOR SAFE LAND ACQUISITION [PART 2]
LAND BUYING CHECKLIST IN GHANA: A PRACTICAL DUE DILIGENCE GUIDE FOR SAFE LAND ACQUISITION [PART 2] After confirming ownership and title authenticity which we dealt with in Part 1, many buyers make the costly mistake of assuming the land is now “safe” to acquire. In reality, ownership alone does not guarantee that land can legally be developed or used for its intended purpose. This is where planning and regulatory compliance becomes critical. In Ghana, land that is properly owned can still be undevelopable, restricted or even earmarked for public use under planning schemes, zoning regulations or environmental controls. Failure to verify these approvals before purchase often results in stalled projects, demolitions, investment losses, or prolonged legal battles. In this Part 2 of the Land Buying Checklist series, we turn our attention to Planning and Regulatory Compliance, the essential checks every prudent buyer must undertake to ensure that a parcel of land is not only genuine, but also legally permissible, fit for purpose and free from future regulatory conflicts. But before we go into the nitty-gritty of today’s discussion, let me remind you that, the Africa Continental Engineering & Construction Network Ltd stands out as one of Ghana’s leading authorities in real estate solutions. From land acquisition, title registration, architectural design, general construction, property development, real estate investment advisory services et cetera, we provide a 360ºC service experience. Ready to move from interest to investment, kindly explore our available properties and reach out to our team for a swift professional service delivery, with thousands of serviced litigation-free parcels of land across Accra and key growth corridors, we are uniquely positioned to help you unlock value in residential, commercial and industrial real estate. Now, to begin with, it is important for us to understand that after establishing ownership and title authenticity, the next critical stage in the land acquisition process is the planning and regulatory compliance. This phase ensures that the land can be lawfully developed for the buyer’s intended purpose and that one’s investment is not later undermined by planning violations, environmental restrictions or physical limitations. Ghana’s land administration framework makes compliance with spatial planning and environmental standards a legal necessity rather than a discretionary step pursuant to section (61) and section (97) of the Land Use and Spatial Planning Act, 2016, (Act 925). Now, continuing from checklist number 6 where we left off in part 1, we shall take a look at only two (2) checklist items today, that is number 7 and 8 in this part 2 starting with number 7. Checklist Item 7: Confirming Land-Use and Zoning Status Confirming land-use and zoning status is a statutory requirement under Ghana’s planning regime and a critical safeguard against acquiring land that cannot legally be developed for its intended purpose. In this regard, prospective land buyers must keep the following in mind, first, verifying zoning with Land Use and Spatial Planning Authority; second, confirm permitted use and lastly, road reservations and right-of-way. Verify Zoning with Land Use and Spatial Planning Authority Before acquiring land, buyers must verify the zoning designation of the parcel with the appropriate planning authorities. In Ghana, zoning and spatial planning are governed by the Land Use and Spatial Planning Act as categorically stipulated in section 2(1) of Act 2016 (Act 925), with the Land Use and Spatial Authority (LUSPA), being the implementing authority as mandated by section 1 of Act 2016 (Act 925). LUSPA now, through the District Physical Planning Departments is legally mandated to prepare Structure Plans, Local Plans and Zoning Schemes that regulate how land within specific jurisdictions may be used. Key due-diligence actions worth noting for prospective buyers in this regard includes but limited to the following: Failure to verify zoning regulations as set forth in section 117(1), section 119(1) and section 94(1&2) of Act 2016, (Act 925) can result in refusal of development permits, enforcement sanctions, or demolitions even where ownership is valid. Confirm Permitted Use Zoning determines not only land classification but also permitted, conditional and prohibited uses. Each zoning category carries specific development controls that must be complied with in accordance with the provisions of the subsidiary legislation L.I 2384, (2019). For example: These are some of the reasons why buyers must confirm as to whether: Ignoring permitted-use restrictions will most likely lead to stalled projects, regulatory sanctions or both, subject to the provisions of L.I 2384, 2019) and section (102) of Act 2016 (Act 925). Check Road Reservations Planning schemes in Ghana also reserve land for public infrastructure, including roads, utilities and access corridors. These reservations are legally embedded in approved spatial plans and enforced through development controls in line with the provisions of section 102 of Act 2016 (Act 925). Road Reservations: Road reservations protect land earmarked for existing or future transport infrastructure. These are typically shown on approved layout plans and must remain free from permanent structures and any development on such spaces to the contrary attracts sanctions in accordance with the strict provisions of section 102 of Act 20216 (Act 925). Therefore, developing on such land exposes buyers to the possibility of: Right-of-Way and Building Setbacks: Rights-of-way ensure access for utilities, pedestrians and vehicles. They may not always be evident on title documents but are enforceable under planning regulations and local plans. Setbacks define the minimum distance between buildings and boundaries, roads or services. These standards are enforced at the permitting stage and vary by zoning category consistent with the provisions of section (61) and (69) of Act 2016 (Act 925). Failure to comply may result in stop-work orders, refusal of permits, or forced alterations after construction has commenced (section 102, Act 2016; Act 925). Checklist Item 8: Environmental and Physical Assessment Environmental and physical assessment is a mandatory component of land acquisition under Ghana’s land administration and spatial planning regime. Even where ownership and zoning are valid, land that is environmentally constrained or physically unsuitable may be legally restricted from development. Ghana’s regulatory framework therefore integrates environmental protection, disaster risk reduction and infrastructure planning into
30Dec’25
LAND BUYING CHECKLIST IN GHANA: A PRACTICAL DUE DILIGENCE GUIDE FOR SAFE LAND ACQUISITION [PART 1]
LAND BUYING CHECKLIST IN GHANA: A PRACTICAL DUE DILIGENCE GUIDE FOR SAFE LAND ACQUISITION [PART 1] Land remains one of the most valuable and sought-after assets in Ghana, yet it is also one of the most legally contentious. From first-time homebuyers to seasoned investors and developers, thousands of Ghanaians and diaspora investors enter the land market each year with optimism, only to find themselves trapped in prolonged litigation, multiple ownership claims or outright loss of capital. But before we go into the substance of today’s discussion, let me remind you that, the Africa Continental Engineering & Construction Network Ltd stands out as one of Ghana’s leading authorities in real estate solutions. From land acquisition, title registration, architectural design, general construction, property development, real estate investment advisory services et cetera, we provide a comprehensive 360ºC service experience. Ready to move from interest to investment? Kindly visit our property page and explore available properties and reach out to our team for a swift professional service delivery. With thousands of serviced litigation-free parcels of land across Accra and key growth corridors, we are uniquely positioned to help you unlock value in residential, commercial and industrial real estate. Now let me present the first six (6) pre-purchase due diligence checklist items, starting with a brief historical context of land litigation that led to the creation of this series. Background and Necessity of Due Diligence Recent judicial statistics and policy disclosures present a sobering reality. Land disputes are reported to constitute over 52% of all cases before Ghanaian courts; making land litigation the single most dominant category of civil cases nationwide according to a report cited on Ghana Business News (Ghana Business News, 2023). Even more critical is another report cited by Myjoyonline and Legal Ink, (Myjoyonline 2025; Legal Ink, 2024) about estimates made by some senior judges and legal practitioners that, land-related cases account for between 70% and as high as 90% of pending cases, reflecting the depth and persistence of the problem, and what makes it even more regrettable is the fact that, majority of these disputes are largely preventable. With findings of studies and judicial commentaries linking land litigation to poor due diligence, unauthorized sales, defective roots of title, boundary ambiguities and failure to independently verify ownership before purchase (Judicial Service of Ghana, 2023), these reports confirm one uncomfortable truth that, land litigation in Ghana is not an exception, it is systemic. In a land market governed by a complex interaction of customary law, statutory law, and evolving land administration systems, assumptions, shortcuts and informal arrangements often carry severe legal consequences. This article is therefore not merely advisory; it is protective. It sets out the critical pre-purchase due diligence steps every land buyer must undertake to reduce exposure to risk, safeguard investment capital and avoid becoming another statistic in Ghana’s congested land litigation system. Checklist Item 1: Confirm the Nature of the Land The first and most fundamental step in land acquisition in Ghana is determining the legal nature of the land. Broadly, land in Ghana falls into four categories: stool/skin land, family land, state land and private land, pursuant to Section (2) to (7) of the Land Act 2020, (Act 1036) of the Republic of Ghana. Each category carries different ownership structures, consent requirements, and tenure limitations. For instance, stool or skin lands are held in trust by traditional authorities for their subjects under customary law, while state lands are vested in the President on behalf of the Republic under Article 257 of the 1992 Constitution. Family lands, on the other hand, are owned communally and cannot be validly sold by a single individual acting alone. This is why it is very important for buyers to: 1. Identify the customary authority or lawful owner 2. Confirm the tenure type, leasehold or freehold Failure to correctly identify the nature of the land often results in transactions being declared void ab initio by the courts, in the event of any legal contest. Checklist Item 2: Verify the Seller’s Authority to Sell One of the most common causes of land disputes in Ghana is dealing with persons who lack the legal capacity to convey land interests. Possession or physical control of land does not automatically translate into ownership or authority to sell. In the case of family land, Ghanaian courts have consistently held that valid alienation requires the consent of the principal family head and elders. Any conveyance made without such consent is voidable at the instance of the family (Banga v. Djanie, [1989–90] 2 GLR 510). For stool or skin lands, transactions must involve the chief and principal elders, with concurrence from the Lands Commission, as required under Article 267 of the 1992 Constitution of the Republic of Ghana. In a situation where the land is sold by a corporate entity, buyers must verify: 1. Company registration status 2. Authority of signatories 3. Existence of a valid board resolution Ignoring these checks exposes buyers to future claims, rescission of contracts, and prolonged litigation. Checklist Item 3: Conduct Official Search at Lands Commission An official search at the Lands Commission is a non-negotiable aspect of land due diligence. This process enables buyers to independently verify claims made by sellers and uncover hidden risks. A proper search confirms the following: 1. The registered owner 2. The exact size and description of the land 3. Existing encumbrances, mortgages or caveats 4. Whether the land is subject to government acquisition or litigation This guides the prospective buyer authenticate all unverified documents, especially those solely provided by seller. Checklist Item 4: Confirm the Root of Title Beyond current ownership, buyers must investigate the root of title, that is, how the land was originally acquired and transferred over time. A defective root of title renders all subsequent transactions invalid, regardless of how well-intentioned later buyers may be. This process involves: 1. Tracing the ownership history 2. Validating previous conveyances 3. Ensuring there are no breaks in the chain of title Courts in Ghana have repeatedly emphasized
27Dec’25
ACCRA LAND FOR SALE: PRIME LITIGATION-FREE PLOTS
Africa Continental Engineering & Construction Network Ltd; the leading name in litigation-free lands in Accra ACCRA LAND FOR SALE: PRIME LITIGATION-FREE PLOTS BY ACECN LTD Looking for secure land ownership in Accra without the stress of legal disputes? Africa Continental Engineering & Construction Network Ltd (ACECN Ltd) offers prime, strategically located plots in Accra that are 100% litigation-free, fully verified, and ready for immediate development. Whether you’re an investor seeking high returns or a homeowner planning for the future, our lands combine excellent accessibility, strong growth potential, and complete peace of mind. With ACECN Ltd, you don’t just buy land; you invest with confidence in a trusted name in Ghana’s real estate sector. Why Choose ACECN Ltd for Land in Accra At ACECN Ltd, we understand that purchasing land can be stressful, especially if you are buying from abroad or for investment purposes. That’s why every plot we offer comes with: 1. Verified title deeds and government documentation 2. Litigation-free guarantee, ensuring no ownership disputes 3. Strategic locations close to schools, roads and amenities 4. Transparent and secure transaction processes “I was always cautious about buying land in Accra, but ACECN Ltd made the process simple and stress-free. They verified all documents for my 70x100ft plot in Tema Community 25 and I felt completely secure throughout.” – Kwame O., Accra. Read more client reviews on Google: https://g.page/r/CVwqksmLjtVbEAE/review. Prime Locations across Greater Accra Our Accra land listings cover high-growth areas where property values are rising, giving you both a secure purchase and a strong investment: 1. Springfield City; Tema Community 25: Perfect for residential and commercial investment 2. Ocean Breeze Gardens; Prampram : Coastal plots with high appreciation potential 3. Silicon Valley; East Legon Hills: Serene environments for luxury homes 4. Signature City; Airport Residential: Fast-developing suburbs with great infrastructure 5. Grand Oasis City; Tsopoli: Ideal for residential, commercial and industrial real estate investment. 6. Horizon Park; Amasaman: Ideal for residential, commercial and industrial real estate investment. 7. Platinum Gardens; Aburi: Ideal for residential real estate investment 8. Edinburg City; Kasoa, Kokrobitey: Ideal for commercial and residential properties “Even though I live abroad, ACECN Ltd handled everything. My 100×150 plot in Prampram is fully verified and litigation-free. I’m confident in my investment and highly recommend them to other diaspora buyers.” — Michael A., UK. Read more client reviews on Google: https://g.page/r/CVwqksmLjtVbEAE/review. Invest with Confidence Buying land with ACECN Ltd is more than just a transaction, it’s peace of mind. We ensure: 1. Every plot is legally verified and litigation-free 2. Transparent purchase procedures, even for diaspora buyers 3. Customer satisfaction is our top priority “ACECN Ltd made buying land in Accra easy and reliable. They guided me from verification to registration for my plot in Afienya, and I now own a property I can trust. Exceptional service!” – Naa D., USA. Read more client reviews on Google: https://g.page/r/CVwqksmLjtVbEAE/review. Secure Your Plot Today Whether you are looking to build your dream home, start a commercial project, or invest for the future, ACECN Ltd offers the assurance, transparency and prime locations you need. Contact ACECN Ltd today to secure your litigation-free land in Accra and invest safely in one of Ghana’s most promising property markets. Call or Chat on WhatsApp +233209032280 Email: d.kontie@acecnltd.com
26Dec’25
WHY THE CHRISTMAS SEASON CREATES STRATEGIC REAL ESTATE INVESTMENT OPPORTUNITIES IN GHANA
WHY THE CHRISTMAS SEASON CREATES STRATEGIC REAL ESTATE INVESTMENT OPPORTUNITIES IN GHANA The Christmas season in Ghana is not only a time of celebration but also a period of intensified economic activity that significantly impacts the real estate market. For property investors, developers, and asset managers, this festive period provides valuable signals about demand patterns, pricing power, and long-term investment potential. Understanding these seasonal dynamics enables investors to identify assets that can deliver both immediate cash flow and sustainable returns. Seasonal Travel and Short-Term Rental Demand December marks one of the busiest travel periods in Ghana, driven largely by returning members of the Ghanaian diaspora, international tourists, and regional visitors. Popularly branded as “Detty December,” this period consistently records increased demand for short-stay accommodations, particularly in Accra and other major urban centers (Arthur, 2023). Research on Ghana’s short-term rental market shows that occupancy rates and average daily rates peak in December, allowing well-located properties to outperform their annual revenue averages during this single month (AirROI, 2025). These performance spikes demonstrate the income-generating strength of short-term rental assets during the festive season. Rental Yields and Income Performance Ghana’s real estate market offers competitive rental yields compared to many emerging markets. Studies indicate that short-term rental properties in prime Accra locations can generate annual yields ranging between 12% and 20%, while traditional long-term residential rentals typically yield between 8% and 11% (The African Investor, 2024). The Christmas season enhances these returns by compressing high demand into a short timeframe. Properties that perform strongly during December often maintain above-average occupancy throughout the year, especially when supported by professional property management and strategic pricing (Arthur, 2023). Strategic Locations Benefiting from Festive Demand Investment performance during the festive season is closely tied to location. In Accra, neighborhoods such as Airport Residential Area, East Legon, and Cantonments consistently attract premium short-stay tenants due to their proximity to Kotoka International Airport, entertainment hubs, and event venues (The African Investor, 2024). Beyond Accra, Kumasi is increasingly recognized as a growing real estate investment hub, supported by infrastructure expansion, commercial growth, and rising domestic travel (Airport City Kumasi, 2025). Coastal and tourism-driven locations such as Cape Coast and Takoradi also benefit from increased holiday travel, supporting both hospitality-linked developments and residential rental assets (B&FT Online, 2023). Festive Season Effects on Property Sales and Development While rental demand surges during Christmas, property sales dynamics also shift. The festive period often records fewer active listings, but buyers who remain in the market tend to be highly motivated, creating opportunities for strategic negotiations (Keller Williams Lending, 2023). In Ghana, developers frequently introduce end-of-year incentives during this period, including flexible payment plans or promotional pricing, to attract buyers who are already engaged with the market due to seasonal travel and family reunions (Embassy Springs, 2023). For investors, this environment can present opportunities to acquire assets under favorable terms. Post-Christmas Market Adjustments Following the festive season, the market typically experiences a short period of adjustment. Some buyers defer major purchase decisions to the New Year, which can temporarily soften prices and strengthen buyer negotiating power (Lusso Homes Ghana, 2024). Meanwhile, long-term rental demand stabilizes as corporate, professional, and expatriate tenants resume normal activity. Investors who track these cycles are better positioned to time acquisitions, reposition assets, and plan developments that align with both seasonal peaks and long-term market fundamentals. Conclusion The Christmas season provides a strategic lens through which real estate investors can assess market strength in Ghana. From heightened short-term rental demand to location-driven performance and year-end acquisition opportunities, the festive period reveals which assets are resilient, scalable, and capable of delivering consistent returns. For investors seeking sustainable growth, understanding seasonal market behavior is not optional, it is a strategic advantage. At Africa Continental Engineering & Construction Network Ltd (ACECN Ltd), we leverage market cycles, data-driven insights, and professional execution to help investors transform seasonal opportunities into long-term real estate value. References
20Dec’25
GHANA REAL ESTATE MARKET OUTLOOK FOR 2026 AND BEYOND: KEY TRENDS, OPPORTUNITIES AND FORECASTS
GHANA REAL ESTATE MARKET OUTLOOK FOR 2026 AND BEYOND: KEY TRENDS, OPPORTUNITIES AND FORECASTS As we bring the year to a close with this final edition on The Construction and Real Estate Digest, we extend our profound appreciation to our esteemed readers, industry practitioners and valued stakeholders for their unwavering support and engagement throughout the year. Your loyalty and thoughtful feedback have continually enriched this column and reinforced its purpose as a trusted platform for informed analysis and industry discourse. Looking ahead to the New Year 2026, we remain committed to delivering deeper insights, forward-thinking perspectives and practical commentary that will support decision-making and sustainable growth within Ghana’s construction and real estate sectors. We thank you for being part of this journey and look forward to your continued readership in the years ahead. This last edition cuts through speculation to examine the key economic and policy forces set to define the real estate market outlook, the opportunities and challenges that lie in 2026 and beyond. Ghana’s real estate market entered 2025 at a critical inflection point. Following a period of macroeconomic instability marked by high inflation, currency depreciation and elevated interest rates; recent economic indicators in the last quarter suggest a significant recovery. With falling inflation, easing monetary policy, lower interests and renewed investor confidence, a significant broad base growth is expected across residential, commercial and mixed-use property segments in 2026. We shall be looking at the impact of the macroeconomic turn around on the market, the housing demand and supply trends, the impact of construction costs, the impact of the government’s No Academic Fees for First Year University students dubbed, the No-Fee-Stress initiative, the market opportunity predictions and conclude with anticipated market risks and challenges. Macroeconomic Context and Its Implications for Real Estate Macroeconomic stability remains a significant driver of real estate performance. Ghana’s economy recorded a notable rebound in 2025, with real GDP growth accelerating to approximately 5.5 percent in the third quarter, reflecting improved performance in industry, services, and construction-related activities (Ghana Statistical Service, 2025); (Reuters, 2025b). In response to declining inflationary pressures, the Bank of Ghana implemented successive reductions in the monetary policy rate, signaling a shift from stabilization to recovery-oriented policy (Bank of Ghana, 2025). These lower policy rates, if transmitted effectively through the banking system, are expected to reduce borrowing costs for developers and improve mortgage affordability for households in 2026. The implication of this stable macroeconomic environment is that it will most likely stimulate transaction volumes, unlock stalled developments and restore confidence among domestic and diaspora investors, particularly in urban markets such as Accra. Housing Demand and Supply Imbalance According to (Centre for Affordable Housing Finance in Africa, 2024), Ghana still faces over a million-unit housing shortfall whilst the World Bank (World Bank, 2023) point to a chronic under-supply of social housing units as against a relative oversupply of luxury stock. This situation is exacerbated by the persistent and rapid urbanization; population growth and rural-urban drift. This phenomenon will continue to fuel housing demand, especially within the Greater Accra Metropolitan Area going into 2026 and beyond. What this means is that this trend is most likely to persistent throughout 2026 as developers are still focused on developing more high-end properties whilst neglecting social housing and mid-end properties in high demand by the populace. Against this backdrop, demand pressure will remain strongest in 2026 for affordable and mid-end housing, presenting the most compelling long-term opportunity for developers, impact investors, public–private partnerships and prospective clients who play within this category. Construction Costs and Inflation Trends The Ghana Statistical Service’s building/construction indicators show easing of construction-sector inflation in 2025 (GSS 2025). Falling material and wage inflation reduces one of the primary barriers to social housing delivery. Combined with policy rate reductions, this is expected to improve developer margins if cost improvements are passed on and if materials supply chains remain stable over a long term. What does this mean for the real estate industry, here is the drift, if this easing of building-cost inflation sustains into 2026 and beyond, housing supply will rise significantly creating gains for developers, investors and potential clients alike. No Academic Fee for First Year Students The implementation of this policy in the 2025/2026 academic year witnessed a beneficiary student population of 120,222 first-year tertiary students in regular public and technical universities increasing academic intake for the year. This number is projected to rise to over 220,000 in the 2026/2027 academic year according to the government’s 2026 budget projections. What this means essentially is that demand for student accommodation and co-living space properties will outweigh supply creating a huge opportunity for sector players particularly, investors and developers around university neighborhoods. Market Outlook for 2026 If the current macroeconomic trends (falling inflation, lower policy rates, GDP growth) persist into mid-2026, property transaction volumes will soar at all levels of real estate investment. Affordable & Mid-market Housing: Effective demand for social housing and mid-end properties will expand. This is because many prospective clients are most likely to qualify for mortgage facilities because of falling interest rates and other macroeconomic indices. This will create opportunity for developers and the building material supply sector in 2026. High-End Market: Over supply will continue to persist and may take time to change depending on the macroeconomic indices. Luxury properties will remain difficult to sell in 2026 and beyond as it has always been the case. Some level of market crash is likely to happen or maybe, a deliberate government policy may be required in this niche in order to have some meaningful change, in my opinion. Purpose-built Student Accommodation & Co-living: As stated earlier, the expected higher tertiary enrolment that will be occasioned by the No-Fee-Stress Policy, coupled with the impact of rapid urbanization, will make purpose-built student accommodation and co-living space properties one of the most promising real estate investments alternatives around university towns across the country. Grade-A Office & Logistics: The easing macroeconomic indices is likely to attract many foreign direct investments as well as
20Dec’25
IMPLICATIONS OF THE 2026 BUDGET STATEMENT AND ECONOMIC POLICY FOR GHANA’S BUILT ENVIRONMENT
IMPLICATIONS OF THE 2026 BUDGET STATEMENT AND ECONOMIC POLICY FOR GHANA’S BUILT ENVIRONMENT Ghana’s 2026 Budget dubbed “Resetting for Growth, Jobs and Economic Transformation” reveals the most ambitious re-engineering of the nation’s physical development framework in more than a decade. At its core is an intentional drive to transition Ghana’s built environment from fragmented infrastructure delivery to a more coordinated, technology-driven, and economically catalytic ecosystem. The budget demonstrates not only fiscal discipline and macroeconomic recovery, but a powerful national commitment to infrastructure as the driver of industrialization, job creation and inclusive prosperity. This article analyses the strategic interventions that directly shape Ghana’s construction, housing, transport, land, and urban development spaces while outlining their implications for developers, contractors, investors, and the broader built environment value chain. But before we go into the substance of today’s discussion, let me remind you that, the Africa Continental Engineering & Construction Network Ltd is Ghana’s leading thought leader in all real estate services. From land acquisition, title registration, building design, general construction, property development, real estate investment advisory services et cetera, we have you covered 360ºC. Do check us out on our website by searching on Google the company name, explore our properties and reach out for a swift professional service delivery. We have thousands of parcels of land in all locations in Accra and beyond. Now get ready as we run you through an in-depth analysis of the 2026 Budget Statement and Economic Policy of the Republic of Ghana. Our analysis if focused on the built environment and we shall be doing this under the following sub-classifications, economic infrastructure, social infrastructure, key policy initiatives and conclude with the key opportunities the built environment is positioned to gain in this budget, starting with the economic infrastructure. Economic Infrastructure Section 7 of the 2026 Budget and Economic Policy captured the resource allocation for various sectors. Since our focus is on the built environment, we selected only policy initiatives relevant to the built environment and their respective resource allocations in the budget. Below is a list of the resource allocations to sectors we classified as economic infrastructure. Social Infrastructure: Education, Housing and Health Again, the following allocations below were also made for sectors or projects we classified as social infrastructure under the 2026 Budget Statement and Economic Policy relevant to the built environment. Drawing the Deductions Now by estimation, the total budgetary allocations for the built environment, using the above items relevant to the built environment, the built environment alone would be receiving an estimated amount of GHS 48.607 billion. This constitutes about 13.6%, approximately 14% of the entire GHS 357.1 billion budgetary sum for the 2026 fiscal year. Beside this, Section 7 Paragraph (1182) of the 2026 Budget Statement stated that, the budget was “specifically designed to create up to 800,000 new jobs”, “consistent with World Bank metrics on job creation from roads investment”, whilst it says again in Paragraph (1183) of Section 7 that “the GH¢63 billion road contracts awarded so far under the Big Push will generate an estimated 490,000 jobs”. What this means essentially is that, out of the total number of 800,000 new jobs to be created by the Budget, the Big Push alone takes over 50% of this in favor of the built environment and its value chain. This by assumption excludes jobs that will be created by other built environment sector projects captured in the aforementioned social infrastructure discussed. We should also not forget that mention is not yet made of the other infrastructure projects that did not have explicit budgetary allocations in the 2026 Budget Statement and Economic Policy such as the newly proposed regular and technical universities to be built across the country etc. Now, based on the assumption that all variables hold constant, then it will not be far from right for one to draw a conclusion that, the Ghanaian built environment is set for a majestic entry into an unprecedented prosperity come 2026. Stronger Macroeconomic Impact Apart from the above analysis, one thing that is worth noting is the strong macroeconomic indices in 2025. “According to the budget statement, the construction sector expanded by 4.0%, a reversal from the previous year’s shocks, but most transformative is the dramatic fall in Treasury yields to an average drop of 1,692 basis points”. This and the other indices such as Ghana’s Eurobond being up to 17% year-to-date underscores a restored global investor confidence and this will unlock cheaper capital for contractors, developers and mortgage facilities for prospective property buyers and all other businesses alike, thereby boosting the real estate sector and the general business community. This macro turnaround sets the stage for large-scale infrastructure expansion precisely what the built environment sector has long anticipated. Key Opportunities to Grab New High-Growth Construction Corridors: The expressways, rail lines, bridges and logistics hubs will create new economic zones ideal for industrial parks, warehousing, logistics,residential developments, retail centres, hospitality clusters etc. Developers: Demand for Affordable Housing is still highwith housing targets exceeding 20,000 units across programs, developers in the affordable and social housing sector such as the Rehoboth Properties, Adom City Estate, Bluerose Estate, PS Global etc must start positioning themselves for strategic PPP opportunities with the government on these infrastructure development stretches. Also, developers must start acquiring lands in emerging expressway corridors,target rent-to-own and mid-income units or for purposes of land banking. In fact, all real estate portfolios look promising along all infrastructure development stretches. Engineering & Consultancy Boom: Surveyors, architects, engineers, planners, valuers and environmental consultants will benefit from feasibility studies, design and supervision, environmental impact assessments, land-use planning, quantity surveying for the Big Push program and all other social infrastructure projects captured in the budget. Local Contractor Participation: With about 490,000 projected jobs to be created, local contractors are expected to dominate feeder road and community infrastructure works. This is the time local contractors must start building capacity by forming mergers, partnerships, joint ventures etc to make them eligible to be awarded these projects, invest in equipment
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