CategoriesReal Estate Minute Tips

Home Security Tips: Light Up your Home

Hello Ghana!  My name is Daphne, and I am back with your daily dose of real estate tips.

Let’s continue in our tips on home security, shall we?

Statistics show that most home invasions occur during the day. likely when you’re at work. But that doesn’t mean you don’t need to secure your home at night. While bars and good neighbours can help safeguard your homes during the day, all bets are off at night when visibility is poor.

If you cannot afford a sophisticated security system, don’t stress yourself. Just Place lights around your front and back yard. If possible, use lights that come equipped with motion sensors for added protection. An intruder might be less inclined to break in if there is a spotlight on them!!

That’s your nugget for today.

For more tips log onto our website www.emerald and our social media handles.

Until tomorrow, stay safe! Stay Happy!


And remember to keep speaking fluent real estate!

CategoriesReal Estate Minute Tips

Home Security Tips: Meet your Neighbours

Hello Ghana! My name is Daphne and I am happy to connect again.

This week, I would be sharing tips on ways to secure your homes.

There is more to security than simply locking your doors and shutting your windows you know. Did you know that there are people who can be your first line of defense against a home invasion in your area? Yep, that’s your neighbours.

They know the area and can help keep an eye on your home when you’re away but they can’t do that if they don’t know you. So make an effort to meet your neighbours and form good relationships so you’ll have people to rely on. If something fishy is happening in your area, a good neighbour will call and let you know

That’s your nugget for today; For more tips log onto our website www.emerald and our social media handles.

Until tomorrow, Stay safe! Stay Happy!


And remember to keep speaking fluent real estate!


Emerald Properties Limited is Organizing a Green Building Summit

Emerald Properties Limited, is organising a green build summit on the 18th October 2017 at the African Regent Hotel. The aim of this summit is to augment efforts aimed at reducing the negative impact of real estate projects on the environment while conserving natural resources. To have the desired impact, projects must be designed to maximize energy savings and minimize the cost of construction by using less energy & water.
These goals are summed up as follows:

  • Sensitize stakeholders (Real estate developers, planners, policymakers,
    architects, advocacies etc) on the importance of understanding thoroughly what it takes to incorporate green technology and how to implement it during the project life cycle – from the conception to design through execution.
  • Advocate for a national policy (e.g tax incentive for developers who adopt
    green build methods).
  • Highlight present and futuristic innovative solutions and models that work in the green built environment.
  • Create awareness on certification requirements by independent third party with a rating system.

What is Green Building?

A ‘green’ building, according to WorldGBC, is a building that, in its design,
construction or operation reduces or eliminates negative impacts, and
can create positive impacts, on our climate and natural environment. Green buildings preserve precious natural resources and improve our quality of life. Features which can make a building ‘green’ include:

  • Efficient use of energy, water and other resources
  • Use of renewable energy, such as solar energy
  • Pollution and waste reduction measures, and the enabling of re-use and recycling
  • Good indoor environmental air quality
  • Use of materials that are non-toxic, ethical and sustainable
  • Consideration of the environment in design, construction and operation
  • Consideration of the quality of life of occupants in design, construction and operation.
  • A design that enables adaptation to a changing environment.

Any building can be a green building, whether it’s a home, an office, a
school, a hospital, a community centre, or any other type of structure,
provided it includes features listed above.

Need For Green Buildings

According to Aalto yliopisto (2014), WorldGBC  (2013), adoption of green build methods enables the following:

  • Short sickness absences in offices can improve by about 35% with a good indoor air quality.
  • Good indoor air quality can improve productivity by 10%.
  • The control and guidance of technical building services can save 10- 20% of a property’s energy consumption which would nationally amount to the energy production of 2-3 nuclear power stations.
  • Decreased stressors at work and at home and decreased blood pressure, cortisol and heart rate.

Challenges In Implementation

  •  “Perception” that green buildings are expensive
  • Poor communication of advantages of green building to developers and end users
  • Developers focus on maximizing profit disregarding end users’ comfort
  • No effective enforcement by professionals and government by-laws
  • Lack of stakeholders buy-in to the technology


Structure of Summit

  • Presentations (by resource persons)
  • Demonstrations (of existing green built models or solutions from selected programs or companies)
  • Panel discussion (of a specific area of interest)
  • Q & As


Target Audience

  • Private: Architects, engineers, real estate developers, construction companies, property management companies, real estate suppliers
    (Mechanical, electrical and plumbing etc)
  • Government & Agencies: Ministry of works and house; Ministry of Science and environment; Town and urban planning etc
  • Associations: Ghana Institute of Architects; Ghana Association of Engineers and Planners; GREDA etc


Key Takeaways (Targeted achievements at end of summit)

  • Identification of stronger communication channels that would promote benefits of green buildings and ensure a call to action.
  • Commitment from governmental, nongovernmental agencies to fashion policies and incentives to promote green build methods.
  • Get the buy-in of operational stakeholders to adopt green build methods and acquire requisite certification.


Date: 18th October 2017

Venue: African Regent Hotel

Time: 9am – 2pm

Follow this link to know more


Green Building Summit Flyer New-1

Written By: Bertha Gwumah

Marketing Officer, Emerald Properties

CategoriesHome Safety Tips

3 Must Have Safety Kits For Your Home

It is essential to keep you and your family safe in a crises situation by storing emergency supplies at home . You or your loved ones may suffer injuries and need immediate medical treatment at a time when there might not be medical attention available.In the event of a disaster or just everyday accidents, emergency first aid kits are always a must. You probably already have a first aid kit in your home, but individual items likely get taken out of it for occasional injuries. That is why it is important to have a comprehensive first aid kits set aside for emergency preparedness.

Below is a summary of the different categories of safety supplies that you should have at home for your family.

Image result for emergency light


As electricity may be out for several hours after a disaster, you will need emergency lights to navigate through the dark and safely get out of your home in order to travel to a safe location. Many people store a regular flashlight and batteries in their emergency preparedness kit but don’t realize that batteries have a shelf-life of 6 months. All home kits also come with slow-burning emergency candles and waterproof matches for extra long-lasting light. We also recommend the inclusion of a fluorescent lantern for additional lighting capabilities.





we can’t stress the importance of this one enough – having a first aid kit is vital in an emergency. You can buy already assembled first aid kits or build your own with underlisted items.

Image result for first aid kit

  • First Aid Booklet (including CPR instructions)
  • Adhesive bandages and medical tape
  • Antibacterial wipes, rubbing alcohol, hydrogen peroxide
  • Antibiotic ointment
  • Elastic wraps and triangular bandages
  • Eye drops/eye wash
  • Fever-reducing medications, such as aspirin, acetaminophen, or ibuprofen
  • Gloves, hand sanitizer, soap
  • Hydro cortisone cream
  • Ipecac syrup
  • Lip balm and sunscreen
  • Sewing kit
  • Thermometer
  • Tweezers
  • Cough suppressant, antihistamine, and decongestants
  • Activated charcoal and Ipecac
  • Safety pins
  • Gauze
  • Scissors
  • Cold packs


First aid kit should also include any specific medications or supplies tailored to your own health.

Make sure you store your first aid kit in a weather-proof container or bag. If all else fails, wrap it in a plastic bag to keep water from entering.



Very often you encounter that certain home repair tasks do not require technician help like tightening nuts and bolts or pulling out a nail, or hanging a small wall clock, and many more. But you end up calling and paying a technician because you do not have the basic and necessary tools to finish the job yourself. But you can save your time and money both. What you need is a basic tool kit at your home. This would help you do simple home repair.

A basic tool kit is a must for every household. But what all to include in a home tool kit?


  1. Tool box or tool bag : You need a tool box to keep all your tools. It should be strong enough to carry your tools safely. Many types of tool boxes are available in the market like fiber body or metal body. Tool bags are also good option. They are easy to carry and store.
  2. Hammer : It is the most basic and most used tool. It is used to drive in nails, pull nails out, break hard items , fit parts and lot more.
  3. Screw Driver: It is a very handy tool. It is used for rotating and tightening screws.
  4. Wrench: It is used to open nuts and bolts. Its jaws can be adjusted to fit nuts and bolts of different sizes.
  5. Pliers: It is a gripping tool which helps to hold, turn and pull out different types of nails. It is also used as wire cutter.
  6. Utility knife: This sharp knife is used for general cutting purpose like paper cutting, cardboard cutting etc.
  7. Measuring Tape: As the name suggest it is used for measurement purpose like finding the center of wall when you are hanging a painting or measuring the area when you are planning to buy a new corner table, and many more.
  8. Flash Light: A very important tool to see when the power is off or viewing the dark areas like inside your water tank.
  9. Nails: What to say about them. Every wall in your house has some decor item hanging on them. Keep general purpose nails and screws in your tool box.

All these tools are very basic and are easily available at any hardware shop. Your tool box is the first aid box for your home repair.


Are You Looking For a Safe Community In Ghana to Live in? Check out Sole Lagoon View Estates.


Written by: Bertha Gwumah

Marketing Officer, Emerald Properties

Credits: ,

CategoriesHome Safety Tips

8 Tips On How To Secure Your Home

Feeling secure in your home is important; that is why how to secure the Home is often the number one question on the minds of Homeowners and Renters. Burglars case a neighbourhood before they rob it. They know when you are not at home and use that chance to break into your home.People lose valuable items to burglars most often because their homes are not well secured. So what can you do to make your home more secure?

  1. Secure the Doors and Windows

rsz_1b1118114204Burglars often make their way into people’s homes through their doors and windows. Making sure your doors and windows are secure can help to put burglars off. Always lock your doors and windows and make sure they are in good condition. A peephole or door viewer should be installed on every accessible exterior door.Door viewers help you to see who is at the front door before you open it. They are especially useful for vulnerable groups such as older people. Standard conventional peepholes only give a very limited view whereas a door viewer provides a larger panoramic view of what’s lurking outside. Investing in a good security door should keep intruders at bay.



secured windowsWindows and glass panes should be treated with a burglar resistant film along with window locking hardware. Doors and windows must be securely fixed to their frames. The frames should be strong and securely fixed to the wall. In Ghana, most of the glass windows have an iron burglar proof bars nicely designed and attached to prevent intruders from passing through them. These days some burglars have crafted a creative way of cutting these iron bars or passing through them. I would advise that these iron bars are thinly spaced to prevent intruders from passing through them. There are a variety of locks available to fit all windows, whether they are wood, metal or PVC framed. Make sure the lock is fitted correctly and in a position where it will have the most effect.

If burglars can see window locks it may put them off because the noise of breaking glass would attract attention. Secure window air conditioning units by using a bracket or sliding window lock to prevent thieves from simply pushing in the unit and entering.


2. Well Lit Exterior and Landscape Lighting

Outdoor-Landscape-LightingNearly two-thirds of burglaries occur during the day but it’s essential to keep the outdoor of your house very well illuminated during the night.  Good home lighting and security lighting in the right places can put burglars off. Motion sensitive lights are best. They startle criminals, and they also draw your attention and that of your neighbours.Make sure you have lighting at the front and the back of your house.Porchlights help keeps you and your loved ones safe. You don’t fumble for keys or the lock when the light is on; instead, you’re inside the door within moments. The light also deters home burglars who won’t enter a home that looks occupied.Even if you are out, pretend you are at home. Leave lights on in the evenings when you go out and use timers to switch on lights and radios when you are away from home. Good lighting in your street or area around your house can also help to put off burglars and make you feel safer.


 3. Invest in a Good Security System


rsz_f6c81b6ff3d43e118ae434ad94bb89beAll homes should have some form of security system, whether it’s a basic camera installation or a fully monitored smart system. Evaluate the needs for your area and choose a system you are comfortable with. Alarm systems range from extremely complex and expensive for those that provide offsite monitoring and mobile access, to relatively cheap for door and window alarms you can install yourself. While more features might make your home marginally safer, know that merely having any sort of alarm system is usually enough to deter burglars.Choose a home security system that uses motion detectors and arms all doors and windows. Whether using a monitoring service or not. There are many other features you can get – pressure mats under rugs to detect footsteps, closed circuit TV systems, broken glass sensors, or pressure sensors that detect when someone is trying to kick in a door – but motion detectors and magnetic door and window contacts are usually sufficient to detect a break in. Never post your passcode near the home security alarm keypad. Always use your system, even when you take a quick trip to the store or visit neighbours. Put signs in the front and rear of your house, as well as stickers in any windows you are worried about.


4. Get a Dog

rsz_wpf96ff6a6_05_06Never underestimate the security benefits of a good size house dog. Dogs are loud, hard to spot and they bite. Their barking can even make burglars save the hassle and hit the next house.Most homeowners and renters in Ghana have Pet dogs that guard their homes during their absence and at night. The dogs are kept it their kernels and released at night. Good guard dogs that possess the characteristics needed to best ward off unwanted intruders includes Bullmastiffs, Doberman Pinscher, Rottweiler and Shepherd just to name a few.  A dog is a big responsibility, but they are very effective at deterring burglars. Even nailing a “Beware of the dog” sign on your main gate or fence can make burglars pause before targeting your home. However, to make a dog an effective deterrent, you need to train it well.



5. Keep Your Keys Safe.

14f6c1c1e1c0965d7ff3744edf844681The only thing worse than leaving your door unlocked is letting an intruder have your home keys.Don’t keep a hidden key outside your house. Thieves know the most likely hiding places, so whether it is under a mat, in a flowerpot, or hidden under a rock, they will probably find it. Keep your keys, including your car keys, in a safe place. Don’t leave them in the locks or lying around the house. Don’t carry house keys on a key ring bearing your home address or leave house keys in your car in a commercial parking lot or with an attendant. Don’t post pictures of your keys on Twitter, Facebook, or other social media websites. Keep keys in a pocket, purse, or anything else worthy of guarding your credit cards.





6. Be Careful When Having Handymen/Workers in Your Home

handyman (1You need to be extra vigilant when inviting people into your home for repairs, maintenance and other contract work. Burglars can also pose as handymen. They do this in order to gain access to the home and secure the trust of homeowners so they can case their properties and eventually rob them. Home improvement projects give workers and handymen ample time to case your home and they might pass on the information to criminals. Be sure to ask potential contractors if their employees are subject to criminal background checks. Do not leave them unsupervised anytime they come around. A Recent report says some burglars have crafted a new plan of knocking on people’s doors, claiming to be coming from either the water or electricity companies and their intentions are to check on the meters of unsuspecting victims. Only to rob them at gunpoint when they gain access into the homes.It is very important to check the service ids of these workers and certify that they are truly from these service companies before you let them into your homes.


7. Secure Your Valuables

safeDon’t leave anything on display that may tempt a burglar to break in.Criminals want to get in and out of homes as quickly as possible.Make it difficult for them by hiding or securing valuables. Stash jewelry or cash in places where thieves are unlikely to look. Consider buying a small safe that bolts to the floor or an external wall. This will not only keep them secure but also safe from the likes of fire etc.





8. Meet the Neighbours

sdfIn tight-knit communities, people look out for each other. Neighbours can report suspicious activity at your home and you can return the favour.They know the area and can help keep an eye on your home when you’re away — but they can’t do that if they don’t know you. Tell a dependable neighbour or two when you plan to be away, and ask them to keep an eye on your house. Make an effort to meet your new neighbours and form good relationships so you’ll have people to rely on.


Are You Looking For a Safe Community In Ghana to Live in? Check out Sole Lagoon View Estates.

Securing your home is not enough; you need to have a plan in case they fail. Sit down with your family and come up with a simple routine to help secure your home. Set rules for opening the door for strangers, locking the doors and windows whenever you leave, and using the alarm system. Make sure your kids know what to do should a break-in occur and have an exit strategy in the event of a fire or other emergency.


Written by: Bertha Gwumah

Marketing Officer, Emerald Properties


Credits: techhive, consumer reports


For Sale to Sold

Good marketing might not necessarily sell your house but it will make the phone ring, and if buyers don’t call, you won’t sell. I believe that employing strong marketing techniques is just smart business, regardless. Here are some of the ways you can sell your homes fast and easy.

  1. Photograph the front

Take pictures of the front of the house. Clear pictures of how the house looks like without cars or side walk images. Most home buyers begin a home search online, so good photos are essential. Listings without a photo or with only an exterior shot are often passed over and ignored. Buyers are visual.

  1. Exterior  Photographs

Make good use of your environment. If you own a home or an apartment without a yard, then take pictures of the clubhouse, pool, spa or tennis courts. If you have a yard, however, buyers will want to see it.

  • Emphasize space and shoot long.
  • Mow the lawn & trim bushes.
  • Remove evidence of pets.
  • Put away children’s toys.
  • Avoid shooting into the sun
  1. Interior Photographs

Take photographs of every room, the living area, kitchen, bedrooms, washrooms and garages. Even if you suspect the room won’t photograph well, shoot it anyway because the photo quality just might astonish you and be useable.

  • Open drapes & blinds
  • Turn on lights.
  • Focus on interesting details.
  • Remove trash cans & close toilet lids in bathrooms.
  • Use floral arrangements in kitchens & dining rooms.
  • Avoid shooting into mirrors because your image will reflect.
  1. Signage

Signage encourages home shoppers to immediately call you or your agent. It’s free advertising! A well designed for sale sign will generate phone calls.  If your home is a corner lot, put up two signs.

  • Try talking to a neighbor whose home is located at the corner of a busy street, asking for permission to put a sign in that yard with an arrow pointing toward yours.
  • Agent signs should include the phone number of the closest office, personal phone numbers the type and exact location of the house.
  1. Open Houses

Not every home is suitable for an open house due to location or other factors, and sometimes the only way to determine that is to try it. If nobody comes, that’s probably a good indication. However, if your home is in a gated community or located near an area where buyers often swarm, then it’s a good candidate.

  • Place open house signage throughout the area directing buyers.
  • Advertise in the newspaper.
  • Invite the neighbors; they might know a friend or a relative who wants to move in close by
  1. Virtual Tours

Virtual tours aren’t just to showcase million-dollar homes anymore. Every home should have virtual tours, even if it’s only two spins. This form of advertising is new in Ghana but people are catching on quick. Buyers love, love, love virtual tours.


  • A good virtual tour will grab a buyer by the hand and lead her from room to room, whether 360 or a video.
  • Depending on the tour company, you can add sound, music or an exciting, professionally written description that scrolls with the movement of the tour.
  • Virtual tours can also include individual photos available for download or to print.
  • Send E-Flyers


Technology has made it very easy to create and send electronic flyers. Thanks to social media platforms, you can send it to as many people as you wish; and also include multiple photographs of your house. Electronic flyers can be distributed on Whatsapp broadcast messages, Twits, Facebook shares and even snap chat. Here are ideas for recipients:

  • Real estate agents who sell in your area.
  • Friends, family and coworkers.

Some homes cry out for drone photography, especially if the home is situated on waterfront, in the mountains, near a park or on large acreage, anywhere an aerial view would be an important advantage to showcase the surrounding neighborhood. Another interesting element often utilized in luxury home marketing is a night view of the home illuminated by outdoor lighting.




The Mortgage Market In Ghana

“For Ghanaians and non- Ghanaians looking to buy property in Ghana, it’s advisable to secure a mortgage even before you begin your search. This ways you can avoid delay in the buying process once you find your dream home.” This is what you hear on the market when you are trying to buy a house; some might ask what a mortgage is and which one is suitable for me? Well, no need to panic. Mortgage is a legal document that pledges a property to a lender as security for payment of debt.

For decades, the only type of mortgage available was a fixed interest loan repaid over 30 year. It offers the stability of regular, and relatively low- , monthly payment. In the 1980’s came adjustable rate mortgage (ARM’s) loans with an even lower interest rate that adjust every year for the life of the mortgage . At the apex of recent housing boom, when lenders were trying to squeeze even unqualified borrowers into mortgage, they began to offer creative or more suitable ARM’s with shorter rest periods, mind blowing rates and no limits on rate increases. Some of the Mortgage offers available on the market right now include.

Home Purchase Mortgage (HPM)

This type of mortgage is designed to assist companies and individuals in buying a property for their own use or for rental. The borrower is usually expected to make a minimum 15% down payment and the bank will provide a loan equivalent to a maximum 85% of the purchase price. The loan terms are usually 15 years and as with all home loans in Ghana, the interest rates are variable (ARM) rates.

Home Equity Mortgage (HEM)

This product is designed for people who already own property to release equity in that property in order to improve their liquidity. Only people or companies that already have properties which are fully paid for or are currently financed may apply for this mortgage. The maximum loan allowed under this programme varies from bank to bank, but the interest rate is always variable and the duration is generally 15 years. For banks such as HFC, Loans shall not exceed a maximum of 80% of the forced sale value (FSV) of the property.                                         The maximum term for this facility is 15 years for both cedi and foreign currency loans. There must be clear and undisputed title to the property.  The title must be duly registered.

Home Completion Mortgage (HCM)

Borrowers needing a loan to complete the construction of their home should apply for this product. The house could have been initially funded by the owners own money, their employer, bank or another mortgage company. Again, the maximum loan varies from bank to bank but the loan term is 15 years, the maximum loan-to-value is usually 50%, and the interest rate is variable.

Home Improvement Mortgage (HIM)

This loan is designed to help existing owners to improve their property or business premises. It is similar to the HEM above, except the loan must strictly be used on the designated property.

Construction Finance / Home Construction:

Construction Finance is currently offered in three (3) different ways (a) Construction finance to the real-estate developer (b) Construction finance to the borrower and (c) Construction finance to the customer of the real estate developer. In all cases this facility will be for the construction of homes. The target market for this product is mainly real estate developers.

Housing is very important to the social and economic fabric of the nation, hence the need to have insight into the industry that produces and manages the development of housing in the economy. Before you worry too much or get yourself in deep irreversible depth, find out what type of mortgage suits you and which payment plans is more convenient for you.



Does Your Room Colour Affect Your Mood?

Did you know your surroundings may be influencing your emotions and state of mind? Do you ever notice that certain places especially irritate you? Or that certain places are especially relaxing and calming? What if I told you that the colours in those spaces play a part in these reactions?

Researchers and experts have made a few important discoveries and observations about the psychology of color and the effect it has on our moods, feelings, and behaviours. According to them, colour could cause a notable change in blood pressure and body temperature and can even alter our perception of space and distance. This means that certain colours (Brighter colours like yellow or even white) can make your room appear more spacious than it actually is. Colour also has a marked influence even on our appetite. Interesting right?

More compelling evidence which proves that there is more to colour than just aesthetics lies in the expressions we use all too often to describe our emotions, like ‘Seeing red’ (angry), ‘feeling blue’ (calm or sad), ‘green with envy’ (envious or jealous). There’s no denying that color and our mood are are directly linked.

The fact is that People spend majority of their time either at work or at home. But we have more control over the decor in our homes right? If that is the case, you might want to pay particular attention to the colours you paint and decorate the rooms in your home with.

If you’re planning on re-painting your walls or redecorating a house or room, you might want to consider some of these suggestions:

Red is good in the kitchen and dining room as it increases the appetite but at the same time Sitting for long periods of time in a room painted in this color could also make people feel anxious and angry.

Yellow or Orange are lively, welcoming colours so they would be perfect in entranceways and family rooms.

Pale blue or soft green are great bedroom colours as they have a calming effect. blue is typically a calming and serene color, said to decrease respiration and lower blood pressure. And the color green is said to be less strainful on your eye muscles. The bedroom is a great place to use these colors as they should help you relax.But at the same time, Blue and green can also call to mind feelings of sadness or indifference, depending on the shade used.

So now you know what to do to reduce unnecessary stress and anxiety. Go for it!

Written by: Daphne Amarkai Quayson

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