We Build Homes, Not Just Houses
SMJ Real Estate is dedicated to constructing quality, affordable homes for Ghanaian families. From foundation to finishing, we build your dream home at prices that make sense.
Building Ghana's Future, One Home at a Time
At SMJ Real Estate, we believe every Ghanaian family deserves a quality home they can call their own. The housing deficit in Ghana is real, with over 2 million homes needed, and we're committed to being part of the solution.
We don't just sell houses; we build them from the ground up. Our team of experienced engineers, architects, and craftsmen work together to deliver homes that are structurally sound, aesthetically pleasing, and affordable. We use quality materials, modern construction techniques, and efficient processes to keep costs down without compromising on standards.
Whether you're a first-time homeowner, a growing family, or looking to invest in rental properties, SMJ Real Estate has a home plan that fits your needs and budget.
The SMJ Real Estate Advantage
We combine quality construction with affordable pricing to make homeownership accessible to more Ghanaians.
Quality Construction
All our homes are built to Ghana Building Code standards with quality materials like sandcrete blocks, iron rods, quality roofing sheets, and durable finishes.
Flexible Payment Plans
We offer flexible payment structures including deposit-based building, milestone payments, and partnerships with banks for mortgage options.
On-Time Delivery
We commit to clear timelines and deliver on schedule. A typical 3-bedroom home is completed within 6-9 months from foundation to handover.
Proper Documentation
Every property comes with proper land documentation, building permits, and title registration assistance. No surprises, no legal issues.
Modern Amenities
Optional solar power integration, water storage systems, and smart home features available through our SMJ Solar division partnership.
After-Sale Support
We don't disappear after handover. Our 1-year structural warranty and dedicated support team ensure your peace of mind.
The Starter Home - 2 Bedroom
Perfect for young couples, small families, or as a rental investment property. This compact yet comfortable home offers everything you need to start your homeownership journey. Features an open-plan living and dining area, a functional kitchen, two bedrooms with built-in wardrobes, and a modern bathroom. Built on a standard 70x100 plot.
Key Features
- 2 Bedrooms with wardrobes
- 1 Bathroom + 1 WC
- Open-plan living/dining
- Fitted kitchen with sink & cabinets
- Front porch
- Plastered & painted finish
- Aluminum windows & security doors
- Wired for electricity (NEDCO ready)
Starting from GH₵ 180,000 | Build time: 4-6 months
The Family Home - 3 Bedroom
Our most popular design, built for growing Ghanaian families. This well-designed home offers comfortable living with a master bedroom featuring an en-suite bathroom, two additional bedrooms, a separate living room, dining area, and a spacious kitchen. Includes a garage option and boys' quarters foundation.
Key Features
- 3 Bedrooms (master en-suite)
- 2 Full bathrooms + guest WC
- Separate living & dining rooms
- Large fitted kitchen
- Front & back porches
- Store room
- Optional garage attachment
- Boys' quarters foundation included
- Tiled floors throughout
- POP ceiling in living areas
Starting from GH₵ 320,000 | Build time: 6-9 months
The Executive Home - 4 Bedroom
For those who want more space and premium finishes. This executive home features four spacious bedrooms including a large master suite, a family lounge, formal living and dining areas, a modern kitchen with pantry, and a two-car garage. Perfect for established families or as a premium rental property in prime locations.
Key Features
- 4 Bedrooms (2 en-suite)
- 3 Full bathrooms + guest WC
- Family lounge + formal living room
- Large dining room
- Modern kitchen with pantry
- Utility/laundry room
- 2-car garage
- Complete boys' quarters (1 bed, 1 bath)
- Premium tiling & POP throughout
- Granite kitchen countertops
- Compound wall included
Starting from GH₵ 550,000 | Build time: 9-12 months
Custom Build - Your Design
Have your own architectural plan or specific requirements? We offer custom building services where we construct based on your approved designs. Bring your plan, and we'll give you a detailed quotation. We can also connect you with our partner architects to design a unique home that perfectly fits your vision and plot.
Key Features
- Build from your own plans
- Architect referral service available
- Detailed cost breakdown provided
- Material options & upgrades
- Project management included
- Regular progress updates & site visits
- Flexible milestone payments
- Same quality guarantee
Price varies by design | Timeline based on project scope
Your Home Building Journey
From initial consultation to key handover, here's how we build your home.
Consultation & Site Visit
We meet to discuss your needs, budget, and preferred home type. If you have land, we visit to assess the plot. If not, we can help you find suitable land in our partner locations.
Plan Selection & Quotation
Choose from our home models or bring your custom design. We provide a detailed quotation with material specifications, timeline, and payment schedule.
Agreement & Deposit
Once you're satisfied, we sign a building contract. A 30% deposit kicks off the project. We handle building permits and documentation.
Construction Begins
Our team breaks ground. You receive weekly photo updates and can visit the site anytime. Milestone payments are tied to construction stages.
Quality Inspection
At each major stage like foundation, roofing, and finishing, we conduct quality checks. You're invited to inspect before we proceed.
Handover & Move In
Final walkthrough, snag list completion, and key handover. Welcome to your new home! Our support continues with a 1-year structural warranty.
Our Project Locations
We currently build in these areas of Greater Accra and Ashanti Region. Land acquisition assistance available in partner communities.
Greater Accra
- Oyibi
- Amasaman
- Dodowa
- Afienya
- Prampram
- Tsopoli
- Katamanso
- Tema Community 25
Ashanti Region
- Kumasi (outskirts)
- Ejisu
- Konongo
- Bekwai
- Obuasi surrounds
Coming Soon
- Central Region (Cape Coast)
- Eastern Region (Koforidua)
What Our Clients Say
Real stories from families who built their homes with SMJ Real Estate.
SMJ built our 3-bedroom home in Oyibi in just 8 months. The quality is excellent, and the payment plan made it possible for us. We're proud homeowners now!
I bought land but didn't know where to start. SMJ handled everything from design to construction. Very professional and transparent with costs.
As a Ghanaian in the diaspora, I needed a trustworthy builder. SMJ sent me weekly updates and video calls. My retirement home was ready before I returned!
Common Questions
Get answers to frequently asked questions about building your home with SMJ Real Estate.
No. While having land is ideal, we can help you find suitable plots in our partner locations. We can also build on family land if proper documentation is in place.
Typically: 30% deposit to start, 30% at roofing level, 25% at finishing stage, and 15% at handover. We can adjust based on your situation and bank financing.
Minor changes are possible before certain stages. Major changes after construction begins may affect timeline and cost. We discuss all changes transparently.
Yes. We have relationships with GCB Bank, Fidelity Bank, and Republic Bank. We can introduce you and provide the documentation they need for home loans.
Our quotes include all construction, materials, labor, and basic finishes as specified. Land cost, NEDCO connection fees, and premium upgrades are separate.
Absolutely! Many of our clients are Ghanaians in the diaspora. We provide video updates, WhatsApp communication, and can arrange trusted representatives for inspections.
Ready to Build Your Home?
Schedule a free consultation. Let's discuss your dream home, budget, and timeline. No commitment required.