Property advisory series By Lumen Advisory: Can we build? Or should we build?

There was understandable excitement when the National Homeownership Fund (NHF), in partnership with participating banks, announced the resumption of mortgage lending at an interest rate of 8.4%.

Across the African continent, invisible walls limit our shared prosperity. These are not merely physical infrastructure, but a double-barreled disconnect: on one side, payment systems that cannot talk to each other.

“Now grant me wisdom and knowledge, so that I may lead this people. For who is able to govern this great people of Yours,” the young King Solomon asked God at the beginning of his reign. His question remains the shrewdest in leadership.

The Constitution Review Committee wants Ghana to graduate from an 'electoral democracy' to a 'developmental democracy'. It is a compelling slogan. The real test, however, is whether the fine print delivers to the ordinary Ghanaian.

A disturbing video recently circulating on social media shows women working in a water-filled galamsey pit while singing Pentecostal songs. The juxtaposition is striking: Christian worship and illegal mining side by side.

In recent times, the question of whether Gold Fields Ghana Limited’s mining leases and operating licence should be renewed when they expire in 2027 has become one of the far-reaching national policy debates in Ghana’s extractive sector.

Ghana’s housing deficit is now routinely quoted at around 1.8 million units. Less discussed is what is quietly driving a large part of that number: not the cost of cement or artisan labour, but the price of the bare ground a house must sit on before anyone lays a single block.

Africa contributes less than four percent of global greenhouse gas emissions. Yet when the effects of climate change are felt, the continent often pays a disproportionate price through the loss of lives, livelihoods, and critical infrastructure.