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Business Debt Consolidation

Choose The Type Of Commercial Property Finance You Are Interested In From The List Below: 

Commercial Property | Industrial Property | Equity Funding | Joint Venture Partnership | Equity Release | Affordable Housing

About Us

New Heights Finance specialises in securing the right finance package for your commercial property purchase, industrial property purchase, retail property purchase, office block purchase or block of flats property purchase.

Funding solutions include equity release, mezzanine finance, private and institutional mother-bond finance, property secured bridging, guarantees, partnerships, JV, equity funding, bridging finance and BEE deals.

Cost Schedule

  • Minimum Term – 60 months
  • Maximum Term – 120 months
  • Minimum APR –  10 %
  • Maximum APR – 15 %

Example :

  • Loan                         R 1 million
  • Term                        R 1 year
  • APR                           13 %
  • Repayment              R 1 130 000

Subject to lenders Terms and Conditions at time of quote.


100 % Ownership, full deposit (70% funding)

Bank Loan to value of 70 % secured and then you as the applicant put up 30 % of the funding (deposit).
You are then 100 % owner.
You lay out 30 % of the property purchase price.
You need not share the profits nor have partners.



Buyers of medium to large sized commercial and industrial properties now have access to 100 % loans.

Some funding models require equity sharing, some profit sharing.

There are 2 basic formats :

100 % Ownership, with profit share but no deposit (100% funding)
Bank Loan to value of 70 % secured and then we have our funders put up the 30 % deposit with the proviso that they keep 30 % of the profit generated within the first 3 years. You are the 100 % owner but you have to pay the mezzanine funders back their 30 % within 3 years plus 30 % of the property profits. Advantage : You need only layout a minimal amount of own cash. Ideal if you are not very cash flush BUT identify a good opportunity.


Part  Ownership part deposit (100% funding)
Bank Loan of 70 % secured and our funders can put up all or a part of the 30 % required deposit. Disadvantage : The bridging company  will take equity in proportion to the amount they contribute to the deposit. You retain the balance of the equity.
Advantage : If you do not have the required deposit, the bridging funders will make up the shortfall. Ideal for tenants wanting to own their own premises and do not want to part with operating cash.

Commercial Property finance is not easily secured unless you have all the required documentation and signed leases that are able to service the loan.

Some important facts with respect to commercial property finance :
  • Tenant lease of 8 years and longer are ideal
  • Net Yield to be in the order of 10 %, calculated as net income ( gross income less expenses) divided by the asking price
  • Property must be in a good position and in good condition
  • Banks do not normally lend more than 70 %  but we can arrange 100 % loans ( see above)
  • Minimum transaction size is R 1 million
  • Interest rates are generally at prime
  • Valuation costs, admin costs, professional fees, legal fees are for the account of the applicant
  • Transfer costs and legal fees ( if non VAT entity) are in the order of 10 %, so you need to have this in cash
  • Industrial, Retail and Offices buildings are preferred properties to fund
  • Residential buildings normally require a 50 % deposit


If you currently own an UNBONDED property, you can access your equity ( convert equity to cash) to use as you wish.

Loan Conditions :

Bonds – Your property HAS TO BE TOTALLY UNBONDED Value – Minimum property value is R 2 million or more
Loan Amounts – Only loans of a R 1 million or more are considered.
Max. Amount – The maximum equity release possible, is 50 % of the property value
Repayment Term – Ideally 9 months but deals up to 24 months can be structured
Repayment Option – It is normal that there are monthly ‘interest only’ repayments and settlement of the capital at the end of the loan term
Security – A first bond is registered over the property as lenders security
Default – If you are not sure you can settle the loan within the agreed term, please do not apply
Key Element –  Key to unlocking the equity, is the loan settlement proposal. You must be able to demonstrate that the loan can be settled

We look forward to assisting you in securing your finance.


If you have project of R 140 million or more, have completed at least 3 projects, own land that is rezoned and ready for development, have done all the feasibilities, EIA’s studies, have received the ROD (Record of Decision), have all the local authority permission to proceed and have homes that are targeted to sell at between R 200 000 and R 480 000 and are ready to start the project but lack funding, we have associates that will provide all the capital needed to proceed, subject to due diligence.  This project finance is provided on a JV (Joint Venture) basis with you owning 70 % of the project and the lender / investor taking up 30 % of the shares.

Click Here to go to the information page on this facility to see if you wish to partake.