No hidden fees. Ever.

Simple pricing.
Total transparency.

Three fees. That's it. You see exactly what you pay before you commit to anything — calculated on your actual build budget, in your currency, at today's rates.

2.5%

Escrow fee

On total build budget

~1%

Inspection fee

5 × GHS 1,500 per phase

Sales commission

Only if you sell via platform

Contractors keep 100% of their agreed build cost. Inspectors are paid separately. Platform fees are charged to investors only.

Fee breakdown

Three fees. Nothing else.

Each fee serves a specific purpose and is deducted transparently. You see the exact breakdown before confirming your escrow deposit.

Core fee

Escrow Fee

Charged once, upfront, on the total build budget. Covers the full lifecycle of fund management for your project.

2.5%of build budget

On a GHS 750,000 build: GHS 18,750 · ≈ £1,256 · $1,631 · €1,500

This fee covers

Regulated escrow account — your name, ring-fenced

5-phase release management and investor approval flow

Dispute resolution access (3 levels, if needed)

Property Passport compilation across all phases

Investor dashboard, messaging, and notifications

Contractor directory access and verified ratings

Fund Your Escrow →

Inspection Fee

Fixed fee per phase inspection. Five inspections per standard build. Charged alongside the escrow fee at deposit.

GHS 1,500

Per phase · 5 phases = GHS 7,500 total · ≈ £503 · $653 · €600

Each inspection includes

Qualified independent inspector — never same inspector twice

On-site visit within 24h of contractor submission

Full phase checklist with pass / advisory / fail grades

10–15 minute narrated video walkthrough

Written report with photos and material grades

Report archived in Property Passport permanently

Learn About Inspections →

Sales Commission

Only charged if you choose to sell the property through the Tumi Strux marketplace. Completely optional.

2%of sale price

On a GHS 1,800,000 sale: GHS 36,000 · ≈ £2,412 · $3,132 · €2,880

This commission covers

Property listing on the Tumi Strux marketplace

Property Passport shared with buyers automatically

Property grading (A–D) based on inspection history

Buyer-seller secure escrow for the transaction

Exposure to diaspora buyers in UK, NL, US, Canada

Not applicable if sold outside the platform

View Marketplace →

Fee Calculator

Calculate your exact costs

Enter your build budget and see a precise breakdown — in your currency — before you commit to anything.

Build Fee Calculator

Drag the slider or pick a preset to see your costs in real time

Build BudgetGHS 750,000

GHS 200KGHS 3M

Common builds

Small single storey — 2-bedGHS 350K

Standard 3-bed · 2 storeyGHS 750K ★

Large family home — 4-bed+GHS 1.2M

Multi-unit / compoundGHS 2M

Your cost breakdown

Build budget (to contractor)

GHS 750,000

Escrow fee (2.5%)

GHS 18,750

Inspection fee (5 phases)

GHS 7,500

Per-phase release

GHS 150,000

Total you deposit

GHS 776,250

At GHS 750,000, your platform fees are just 3.4% of your total deposit — covering escrow protection, 5 independent inspections, dispute access, and your full Property Passport.

What you get

Everything included in your fees

The fees aren't just for fund holding — they cover the complete infrastructure that makes a remote diaspora build possible.

Escrow Management

Regulated, ring-fenced account in your name

5-phase release with all-or-nothing discipline

Pre-cancellation refund protection

GBP, EUR, USD, GHS deposit options

5 Independent Inspections

Qualified inspector per phase — rotated pool

On-site visit within 24h of submission

10–15 min narrated video walkthrough

Phase checklist with material grades

Property Passport

Full build history — materials, specs, inspections

All 5 inspection videos archived permanently

Transferable to buyer on resale

Property grade (A–D) issued on completion

Dispute Resolution

Level 1: Direct negotiation (24h window)

Level 2: Platform mediation (ruling in 5 days)

Level 3: Independent arbitration (on request)

Escrow frozen until resolved — funds protected

Contractor Directory

340+ verified contractors across Ghana

5-dimension dual-source ratings visible

Filter by region, specialism, rating

Full build history on every contractor profile

Investor Dashboard

Real-time phase tracking from anywhere

Escrow balance and release history

Direct messaging with contractor and inspector

Instant alerts on every phase milestone

Why Tumi Strux

What you get that you won't get elsewhere

Compared to building without a platform, or using a basic conveyancing service.

Feature

Tumi Strux

Basic escrow only

No platform

Regulated escrow account

Independent on-site inspections

Video walkthroughs on every phase

Milestone-gated release (not lump sum)

Verified contractor directory

3-level dispute resolution

Property Passport

Contractor ratings (public, dual-source)

Typical total fee

3.5%

1–2%

Pricing FAQ

Common questions about fees

When do I pay the fees?

The escrow fee (2.5%) and inspection fee (GHS 7,500) are collected at the point of deposit — before the build starts. This single upfront payment covers all platform services for the full lifecycle of your project. There are no monthly charges, no per-transaction fees, and no surprise deductions during the build. The sales commission (2%) is only charged if and when you list and sell the property through the platform.

Are the fees refundable if I cancel before the build starts?

If you cancel before Phase 1 begins — before the first inspector is assigned — the full build budget is refunded to you. The escrow fee and inspection fee are non-refundable at that stage as platform setup costs have been incurred. If you cancel after Phase 1 has started, refunds are calculated on the unused portion of escrow, less any phases already released and fees already applied. The exact terms are detailed in the Escrow Agreement.

Do fees change for larger or smaller builds?

The escrow fee (2.5%) scales with your budget — so a GHS 1.5M build pays GHS 37,500 in escrow fees, and a GHS 300K build pays GHS 7,500. The inspection fee is fixed at GHS 1,500 per phase — five phases means GHS 7,500 regardless of your build size. This means the inspection fee is proportionally cheaper on larger builds. For multi-unit or compound builds with more than 5 phases, inspection fees scale accordingly.

What currency do fees come out in?

You can deposit in GBP, EUR, USD, or GHS. Fees are quoted in GHS because that's where the build happens — but the calculator above shows equivalent amounts in your home currency. The exchange rate applied is the mid-market rate at the time of deposit, which you'll see before confirming. Contractors are always paid in GHS.

Does the contractor pay anything to be on the platform?

No. Contractors apply and are listed for free. They receive 100% of the agreed build cost with no deductions. All platform fees are charged to the investor. This arrangement means the contractor's incentive is purely to build well — not to optimise around platform economics.

Is there a fee if a phase is rejected and has to be resubmitted?

If a phase is rejected, the contractor must rectify the issue and resubmit. The re-inspection is an additional inspection, billed at GHS 1,500 — charged to the investor. The first five inspections cover the standard five phases; any re-inspection or dispute inspection is additional. This is clearly communicated before any re-inspection is triggered, and requires investor confirmation before proceeding.