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Z3 Ghana
Terri Young
Terri Young is the powerhouse visionary behind Z3® Ghana, proudly powered by E. Wells Realty & Consultancy. As an accomplished NC & SC REALTOR®, top 5% producer in the Charlotte Metro area, and founder of Z3® Carolinas at Lifestyle International Realty | THE FIRM, Terri is expanding her legacy globally—bridging opportunities between the U.S. and Ghanaian real estate markets.
With over 20 years of experience as a Federal Contracting Officer and Program Manager for Fortune 500 firms, Terri brings unmatched expertise in negotiations, compliance, and large-scale project management. She’s known for transforming complex processes into strategic wealth-building pathways for her clients—empowering them to own, invest, and expand through real estate both locally and internationally. 🌍
At Z3 Ghana, Terri’s mission is clear:
✅ To educate Ghanaians and the diaspora about real estate investment opportunities in Ghana and abroad.
✅ To empower global investors with trusted guidance and proven systems for building generational wealth.
✅ To bridge communities through ethical, sustainable real estate development and partnerships with schools, corporations, and developers.
She is a servant leader, educator, and international wealth strategist—committed to unlocking access to property ownership, equity, and legacy for families across borders. Terri believes that real estate is more than land—it’s legacy, leverage, and liberation.
The B.E.E.S Mission
Bridge communities through ethical, sustainable development—linking schools, corporations, and developers for win-win growth.
Educate Ghanaians and the diaspora on smart real estate plays in Ghana and abroad—so you move with clarity, not guesswork.
Empower global investors with trusted guidance and proven systems to build real generational wealth.
Serve all people and communities—because impact matters as much as ROI.
Why invest in Ghana
A thriving, investor-friendly market at the heart of West Africa’s growth
Ghana stands as one of Africa’s most stable democracies, with rapid economic growth, strong infrastructure expansion, and a welcoming climate for foreign investors. As a gateway to West Africa, Ghana offers unique opportunities in residential, commercial, and tourism real estate sectors. From Accra’s urban luxury to Cape Coast’s beachfront beauty, the market is rich with potential for both local and global investors.
Land Ownership & Legal Framework
Expert support for every step of acquisition
Property ownership in Ghana follows several land types — customary, leasehold, and freehold (for citizens only). Foreign investors can acquire leasehold interests up to 50 years, renewable upon expiration. All land transactions must be verified through the Lands Commission, with legal documentation including site plan, indenture, and land title. Z3® Ghana partners with vetted legal experts to ensure safe and transparent acquisition for all clients.
Learn MoreThinking About Buying, Selling, or Investing in Ghana?
Let’s break down what you really need to know
TYPES OF REAL ESTATE TRANSACTIONS IN GHANA:
TYPES OF LAND OWNERSHIP (TENURE):
Here’s the truth: Understanding these structures protects you from fraud, maximizes your investment, and positions you for long-term wealth!
Don’t guess — get guidance from trusted experts.
Our Services
We offer expert guidance in purchasing, selling and leasing properties in Accra, Ghana, ensuring a perfect match for your requirements.
Ghana is one of Africa’s most dynamic real estate markets, offering strong opportunities for land development in residential, commercial, and hospitality sectors. We invite investors to partner with us through Joint Venture (JV) structures that combine international capital with local expertise.
Ghana’s tourism and hospitality sector is experiencing strong growth, driven by increasing business travel, international conferences, and rising tourist arrivals. For investors from the UAE and Asia, the country presents compelling opportunities in hotel management and hotel acquisition.
We expertly handle the day-to-day operations, maintenance and strategic enhancements, ensuring optimal value and peace of mind for property owners.
Our tailored services offer comprehensive support for a seamless transition, ensuring a smooth and stress-free move to Ghana.
We facilitate transparent transactions, safeguarding funds and assets for all parties involved, ensuring trust and confidence in every transaction.
We guide first-time homebuyers through the intricate process, offering tailored advice and personalized strategies on purchasing your dream home.
We leverage market insights and expertise to provide tailored guidance, empowering investors with informed decisions for maximizing returns and achieving financial goals.
Notable U.S. Companies in Ghana
What They're Doing
These regions were officially increased from 10 to 16 in 2019 as part of Ghana’s decentralization and development initiative — creating more localized governance and opportunities for economic growth
- Coca‑Cola Company-A well-known U.S. multinational with operations in Ghana, illustrating how consumer-branded companies see Ghana as a growth market. Source
- Cargill-U.S. agribusiness giant; recognized as one of the U.S. firms maintaining operations in Ghana. Source
- IBM-A U.S. technology company listed as having operations or presence in Ghana, showing tech/infrastructure interest. Source
- Kosmos EnergyU.S.-based oil & gas company with deep-water oil projects in Ghana (e.g., Jubilee, TEN fields) showing the resources/infrastructure side. Source
- More BroadlyThe U.S. State Department notes there are “roughly 100 U.S. companies” operating in Ghana across sectors. Source
Regions of Ghana
Ghana is divided into 16 administrative regions
These regions were officially increased from 10 to 16 in 2019 as part of Ghana’s decentralization and development initiative — creating more localized governance and opportunities for economic growth
- Upper West
- Upper East
- North East
- Savannah
- Northern
- Bono
- Bono East
- Oti
- Ahafo
- Ashanti
- Eastern
- Volta
- Western North
- Western
- Central
- Greater Accra
