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Real estate partnership

Your estate infrastructure, pre-financed and built

Infrastructure is the greatest challenge facing any estate promoter or developer. Cogent has the experience, the financial and technical resources and the plant to pre-finance and construct the roads and drainage your development needs.

The challenge

Roads and drainage come first. Revenue follows the house sales.

That gap keeps good estates from breaking ground. Cogent closes it by carrying the infrastructure cost and accepting settlement in whichever of three forms best suits your project.

Available where the developer’s land is properly titled and the necessary planning and development approvals are in place. Road and drainage designs can also be pre-financed by Cogent in partnership with a group of competent professionals.

Executive four-bedroom house lit from within at dusk

Residential work

From estate roads to finished homes

Alongside the infrastructure, Cogent builds and finishes the homes themselves: external works, stamped concrete, interiors and fit-out.

  • Rendered design of a two-storey white house with a grey hipped roof, balconies and a carport
    Residential design concept
  • Rich terracotta stamped concrete walkway edged with planters and palms
    Terracotta walkway with planting
  • Two-storey townhouses with open garages as concrete is barrowed across the forecourt
    Forte Residence for Devtraco, Community 18, Tema
  • Worker spreading laterite for external works beside a house under construction
    5-bedroom house, East Legon Hills
  • Fitted kitchen in white and oak with a stone-topped island and black track lighting
    Fitted kitchen in white lacquer and oak
  • Red stamped concrete roof terrace enclosed by a rendered parapet wall
    Red stamped concrete terrace

Three ways to settle

Choose the option that suits your cash flow

Every option is assessed against a professionally prepared Bill of Quantities, so every figure is transparent and defensible from the outset.

  1. Option One

    Paid as a share of house sales

    Construction services are assessed against a professionally prepared Bill of Quantities and paid off as a percentage of the cost of the houses to be built. That percentage is paid pro-rata on any down payments purchasers make to the developer.

  2. Option Two

    Paid in land

    Construction services are assessed against a professionally prepared Bill of Quantities and settled in kind, with a portion of land equivalent in value to the infrastructure works. Cogent is then free to develop and sell its own house designs, or sell the land on to recover its costs.

  3. Option Three

    Converted into equity

    Cogent partners the developer by converting the cost of infrastructure development into equity in the real estate project, provided the promoter has obtained all designs, valuations and permits covering the project.

The terms

Clear terms from the outset

  • Infrastructure costs are based on rates certified by the Department of Urban Roads, Ghana.
  • No interest is charged on outstanding amounts within one year of the works commencing.
  • After one year, prevailing commercial interest rates apply to outstanding balances under Options One and Two.
  • Cogent holds a lien on all houses built until costs are fully recovered.

Have a site and a title deed?

Send us the layout and the approvals. We will come back with a Bill of Quantities and tell you which of the three options makes the most sense for your project.

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