Business Loans (unsecured)

Business Loans (unsecured)


Business loans South Africa from R 50 000 to R 1,5 million.
3 day approval.

No Security needed

Unsecured business finance, for small and medium businesses
Use as you please

Small business funding and quick funding for business.
Quick business loans by private lenders gives you funds for business.

Are you looking for funding companies or investors, then our SME funding, SMME funding, private business loans, funds for small business, company funding, business finance loans and business investors have sources of funds to assist to grow businesses, which includes purchase orders, invoice discounting,
Unsecured business loans fast and easy.


Loan Conditions

Loan Term: From 2 month to 6 months options
Minimum Loan: R 50 000
Maximum Loan: R 1 500 000
Interest: 25 % for 6 months term
Business Age: Minimum 1 year old
Business Turnover: R 1 million per annum or more
Premises: If leased, then leased for minimum of 1 year. If owned, then at least one year old
Start Ups: NO START UP business applications will be considered

Ideal Business Profile
Businesses that have a regular income flow into their bank accounts via EFT or Credit Card transfers. Companies that have contracts that ensure a regular flow of cash into their bank accounts have a high chance of loan approval.
Loan Requirements

Bank Statements: 6 months
Credit Profile: Owners / Shareholders / Members, Trustees and business, to have a 100 % clean credit profile
Ideal income profile: Credit Card sales or EFTPOS
Repayment: Weekly by Debit Order in 26 equal instalments
General: The lender will undertake other checks and request other information to assess the applicant’s loan service capability. All loans are granted at the lenders sole discretion. The lender’s decision is final.


Cost Schedule

  • Minimum Term – 6 months
  • Maximum Term – 6 months
  • Minimum APR – 50 %
  • Maximum APR – 50 %

Example :

  • Loan R 100 000
  • Term 6 months
  • APR 25 %
  • Repayment R 125 000

Subject to lenders Terms and Conditions at time of quote

Business Debt Consolidation

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.

Debt Consolidation – Bonded Property

Debt Consolidation Using Property

Settle Debt Using Property


Do you have debt to settle ?
Do you own a property ?


Settle your debts by selling your property and secure the right to Buy It Back within 12 to 24 months.


How? The Sell, Rent, Buy-Back or Seller Buyback method.

The Sell and Buy Back Process

  • Sell your property and use profits to settle debts
  • Rent the property for a negotiated and agreed amount
  • Buy your property back within 12 – 24 months

Requirements for the sale of your property:

Types of property: Any but specific criteria apply to vacant land
Minimum Property Value: R 1 000 000
Maximum Property Value: No maximum
Buy-Back price: Client and Purchaser to agree.
Credit Profile: All credit profiles welcome
Exclusions: Certain locations (TBA)


The Rental Agreement

You will pay rent at an amount agreed by both parties to the agreement
Term can be for 12 to 24 months
You can buy the property back anytime within 12 – 24 months


Buy-Back Option
You have the option to purchase your property within 12 to 24 months
The Buy Back price is the to be agreed between the parties to the agreement.
Your Buyback option can be exercised at any time in the 12 – 24 months period.



Debt Settlement using property, is also known as the Buyback Sale, Sale and Leaseback, Rent to Buy Back and Rent to Own. Essentially you settle debt using property equity. You sell your property with the right to buy the property back and use the profit from the sale, to settle your debts.

Bond Consolidation, Loan Consolidation and Debt Consolidation Loans for Homeowners is when you use the equity in your property to settle your debt. So, consolidate your debt using the equity in your home.

If you are looking for homeowner debt relief, a mortgage debt settlement or homeowner equity release, look no further. You can assist yourself to pay your debt off.

Why stress about your debt ? The solution is easy. Sell your home to settle debt and then stay in your property and buy your property back, within 12 – 24 months.

This also applies to commercial, industrial, retail and other property types. Ask our vendor consultant when they contact you.


Can you assist if I have a bad credit profile?

Yes. This is precisely who we can assist.

Can you assist if I have a good credit profile?


Is there a minimum and maximum home/property value?

Yes, no properties less than R 1 000 000 value will be considered.

What is the maximum debt amount?

50 % of the value of your home/property

How long does it take?

Submit the required documents and processing starts.

How much does it cost?

See examples on home page.

Can I stay on in my home?

Yes, at an agreed rental amount.

Can I rent my home/property back after it is sold?

Yes, at an agreed rental

Can I buy my home/property back?

Yes, within 12 – 24 months and this is negotiable.

Is there any risk to me?

No, as long as you abide by the Terms and Conditions of the Sale and Rental Agreement

What types of property can be used?

All types but not vacant land, unless it meets very specific criteria.

What Documents Are Needed?
  • Proof of address
  • Erf details and street address
  • Latest municipal rates statement
  • 3 months bank statements
  • Latest bond statement
  • Credit check authority
  • Marital status confirmation
  • List of all other debt over R10 000
  • Proof of Income ( salary slips or business income)
  • Copy of ID
  • Photos of property

Ideal Property Profile


Any type of property valued at over R 1 000 000 that has a bond of less than 35 % of the value of the property. Eg Property R 1 million. Bond R 350 000 or less.


Buy Back Bond

When you are ready to buy your property back, the vendor can assist you, by facilitating the bond application process. All banks will be approached to get you the best deal possible. You may also use your own bank or your own bond originator.



Use the tried and tested Sale and Buy-Back method.


Important Notes and Conditions
1. We refer your enquiry to third parties and you deal direct.
2. This is not a loan product.
3. This is property transaction solution i.e. Sale and Purchase
4. Neither us, nor the third-party vendors, is a FSP registered
5. Neither us, nor the third-party vendors are registered with the NCR

6. Neither us, nor the third party, get involved in the settlement of your debt
7. The decision on whether to enter into a transaction or not, is at the sole discretion of the

Debt Consolidation Bond-Free Property

Commercial Property Finance

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

Business Debt Consolidation Bond-Free Property

Secure finance against your Bond-Free ( fully paid-up) property; if the value of the property is more than R 600 000 and you have a legal entity.


  • Need a loan for your business?
  • Own a bond free property?
  • Property worth more than R 650 000?
  • Your business is a legal entity: CC or Trust or (PTY) Ltd?

Then a loan of R 250 000 or more could be available to you, RIGHT NOW!

Business Consolidation Loans are quick and easy, using bond-free property as collateral. Use your unbonded personal property or business property as security for a ‘term loan’.


Use the money as needed:

  • Clear your business debt, using your bond-free property.
  • Inject cash into your business.
  • Pay outstanding invoices.
  • Take advantage of a new contract by getting a business loan against
    your property.
  • Anything else


Please note: Our secured loans are aimed at business entities, not private individuals.
You need to own a business and it must be registered in a legal entity name ie (Pty) Ltd., CC or Trust.


Take Advantage of a Business Opportunity


General Loan Conditions :


  • Legal Entity – Applicant has to be a business entity- CC, Pty or trust
  • Trusts – To have a minimum of 3 trustees;
  • Security – The property needs to be fully paid up (Bond free)
  • Value – Property to be valued at more than R650 000
  • Types – Preferably residential but others also considered
  • Loan Amount – Minimum R250 000;
  • Loan term – 6 to 12 months
  • Affordability – Proof of income to service loan required
  • Documents reqd – Financial statements, bank statements, management accounts, proof of income, etc.
  • Exit strategy – Clients need to show how the capital can be paid back at end of the loan term.


Pay Creditors Early and Get Your Settlement Discount


Approximate Costs (Refer to lender quote when you apply)

Property Value:  R 1 000 000
Loan Granted:     R 400 000
Bond Reg Costs:  R 12 000
Attorney Fees:     R 8 000
Initiation Fee:      R 12 000

Funds Available:    R 368 000 ( to Client)

Interest Rate:         3 % per month

Once-off Costs:      3 %


 Clear Business Debt by Offering Your Property as Security

Please note the applicant must be a business entity that can offer a private property or business property as collateral




Can you assist private individuals?
Only if the applicant is a registered legal entity like a (Pty) Ltd, CC or a Trust.
The property can be owned by an individual but the loan goes to a business.


Any upfront fees to be paid?
No. All costs are deducted from the loan granted.


Can you assist if I have a bad credit profile?
Sometimes. The reason for the credit listing needs to be assessed.


Can you assist if I have a good credit profile?
Yes, but this is not the only criteria considered.


Is there a minimum and maximum property value?
Dependent on the lenders conditions. Submit your application and we will advise.


What is the maximum Loan-to-Value?
40 % of the value of your home / property can be borrowed.


Maximum Loan Term?
12 months is allowed to pay the loan back.


Maximum loan amounts?
This application is for amounts up to R 2 million. Please go to our website to see programs for loans higher than R2 million. CLICK HERE for loans from R 2 mill to R 50 million.


How long does it take?
4 to 6 weeks. A bond is registered over the property. The property stays in your name.


How much does it cost?
Interest at 3 % per month and a once-off initiation fee of 3 %. Bond registration costs and attorney fees are for the applicant. These costs vary and are dependent on the loan amount.


How much do I get out?
The amount left after the initiation fee, attorney costs and bond registration fee, are deducted from the amount granted and paid to the applicant. See example above.


Repayment Options
Option 1 : Interest only for 12 months, then the full capital amount paid within 12 months
Option 2 : Interest and Capital repayments, then balance of capital paid at the end of 12 months


Can I stay on in my home/property?


Can I rent my home /property out?


Does the property stay registered in my name?
Yes. A bond is registered over the property to secure the loan but the property stays in your name.


Is there any risk to me?
No, as long as you abide by the Terms and Conditions of the loan and make all repayments as agreed. If you do not, then the lender has the right to secure his money.


What types of property can be used?
Residential is ideal but others such as rental producing properties in urban areas can be used.


Use a Secured Loan to Settle Business Debt, with a 1st Bond on Your Bond-Free Property.


How does property backed finance work?
Private lenders take a higher risk and lend money to clients that banks won’t lend to, by registering a bond over your property. The property has to be bond free ( fully paid for). The lender uses the property/house as collateral for the loan. This is called secured finance or collateral loans. These loans against a paid-up property, can be used to settle debt but the loan has to be granted to a legal entity like a Pty, CC or Trust. It cannot be given to a private person.
You have 12 months to pay back the property backed loan. These private business consolidation companies need security to lend money and so they will register a 1st bond over your property to secure their loan.


A collateral loan against property, is a recognized method to secure business funding. It is risk free to the borrower as long, as the borrower complies with the terms of the loan agreement by making the monthly repayments. So, using your home to pay off debt is safe and easy. It is essentially a mortgage backed loan offered by a private company instead of a bank. This “business debt rescue” program, is available in South Africa and Namibia only.


We look forward to assisting you to pay off those business debts or take advantage of some new contracts to grow your business.

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Business Debt Consolidation Using Property

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Development Finance – Residential

Development Finance

Affordable Housing Finance

JV Partner

Please find brief outline of the Joint Venture affordable housing / GAP Housing / Low Cost Housing, development funding structure, below.

Development Funding Structure

with JV Partner

  • Repay JV Partner’s Equity From First Free Cash
  • Repay Developer’s Equity
  • Repay JV Partner Required Returns ( 25% / 30%  IRR)
  • Repay Developer’s Required Returns ( 25% / 30% IRR)
  • Pay balance of cash to JV Partner and Developer in ratio of shareholding

Cost Schedule

  • Minimum Term – 3 months
  • Maximum Term – 12 months
  • Minimum APR – 13 %
  • Maximum APR – 30 %

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.


The Basics

Ideal residential units are to be between R 280000 and R 480000 selling price.

Developer enters into a partnership with the JV Partner (JVP).

Development land transferred to a Special Purpose Vehicle (SPV) company.

JVP only holds 30 % shares and Developer 70 % Shares in SPV (even though the JVP will contribute a greater equity amount to the project).

The total project value cannot be less than R 140 million.

Banks will provide up to 70 % Debt finance to the project. (JPV does not sign any sureties for this loan but the developer will have to).

JVP and Developer to provide 30 % Equity combined. For this size project, a minimum of R 40.2 million, is required.

JVP will contribute up to 80 % of the 30 % Equity required eg  R 32.2 million.

The Developer to contribute 20 % (or more if they want to or can) of the 30 % Equity required
eg R 8 million.  This can be in the form of Land, Value Added or Cash.

First free cash is paid to settle JVP equity loan (Interest and Dividend), then Developers Equity loan is paid out.

Then JVP paid out Return of 25 % to 30 % IRR on equity portion invested.

Then Developer Return of 25 % to 30 % IRR paid out on equity portion invested.

Balance of cash (Profit) paid out to JVP and Developer in ratio of shareholding.

This scheme has been running in South Africa for a number of years and has proven to work successfully with experienced Developers.

This JV structure can also be applied to Blocks of Rental Flats that are for long term investment purposes and / or  for student accommodation.

Equity Release

Equity Release

Choose Which Type Of Equity Release You Are Interested In: 

Property Equity Release | Property WarehousingMezzanine Finance – Developers | Mezzanine Finance – Commercial

Sold your property ?

Waiting for profits to pay out ?
Get your money now !

UP to 80 % of the net proceeds can be advanced in 24 hours. 

Cost Schedule

  • Minimum Term – 3 months
  • Maximum Term – 24 months
  • Minimum APR –  24 %
  • Maximum APR – 30 %
  • Broker Fee –  2 %

Example :

  • Loan                        R 1 million
  • Term                        3 months
  • APR                          24 %
  • Repayment             R 2 080 000

Subject to lenders Terms and Conditions at time of quote.

Property Equity Release

Equity Release in Property

You can now access up to 50 % of the equity in a UNBONDED residential, commercial property, industrial property or agricultural land  in as little as 10 days.


Existing Bonds–  The property HAS TO BE 100 % UNBONDED
Property Value–  R 2 million or more
Loan Amounts–  Minimum of R 1 million or more
Max. Equity Release    –  50 % of the property value
Repayment Term– 3 months to 24 months
Repayment–  Monthly ‘interest only’ repayments and settlement of the capital at the end of the loan term
Security– First bond registered over the property
Default– Please do not apply if you cannot settle within the loan term agreed
Key Element–  You must be able to demonstrate that the loan can be settled in the agreed term

Choose Which Amount
You Would Like To Apply For

R 2 million to R 5 million Click Here to apply
R 5 million to R 50 million Click Here to apply

What is equity

What is equity : Equity is the “current value less the current bond” or if no bond, then the current value.

EXAMPLE With 10% Bond No Bond
Property Value R2 000 000 R2 000 000
Less Bond R200 000 R0
Equals Equity R1 800 000 R2 000 000
60% of equity available to you R1 080 000 R1 200 000
Equity release plans

Examples of where the release of equity is applicable:

A client has a property that is being renovated or is being built. Cash is needed to complete the project. If completed then the property is worth more than the amount that has been invested in the renovation and so equity release will enable the person to complete the project. The client MUST HAVE a buyer that has lodged securities with the transferring attorney. Property equity release can take place.

A business owns a property (commercial, industrial, residential or agricultural) and needs to access equity quickly to take advantage of some opportunity. Equity finance can be arranged and a cash advance provided in 10 days, using the property as security for the loan granted….as long as there is a guarantee of repayment provided.

A developer has nearly completed a residential or commercial development and needs to release the profit made, before the transfers to new owners take place. An equity loan is ideal.

A cash deposit is needed to secure another loan. A property can be offered as security and a Home equity loan is then provided by release of home equity.

How to release equity

Basic requirements

Adequate security for the loan to be provided such as, permission from first bond holder to take a first bond over the property.

Loan settlement plan needs to be achievable. For example, proceeds due from other activities, policy payout, investment maturing, contract proceeds being paid out etc.

Property bridging facilities are granted to juristic persons i.e. companies / legal entities.  Company details and financials, FICA, property and repayment motivation documents to be presented.

Equity to be approximately double the value of the bridging loan required.

Minimum loan to be R2 Million Maximum almost unlimited !

Longest term of loan is 24 months but ideally 3 to 9 months.

R2 million – R5 million: Click Here to apply
R5 million – R50 million: Click Here to apply

Equity release loans are a quick way to secure finance but the borrower must be able to show the home equity lender that they can settle the loan. Contact us to arrange a quick and effective way to access your property’s equity! No bank delays. Personal service. Quick decisions. Competitive Rates.
Further Information

Equity Release / Property Secured Bridging / Term Loans using Property

Up to 60 % of the residual or “free equity” in a building and up to 30 % in vacant land, can be released to the owner of the property by the registration of a first bond or covering mortgage bond over the property.  Equity is, the value of the property less the outstanding bond and if no bond, then the properties value as determined by the lender.

In current market conditions lenders are however only granting up to 50% of the equity where no other security can be offered and ideally the property should be bond free or not have a bond of more than 10 % of the market value. Eg. Value R2 million, less bond say R200 000, Equity R1 800 000.  Maximum grant would be R900 000 UNLESS the exit plan (repayment of the loan) is very secure.

An Approval in Principle (the first step in this process) takes up to 5 working days to secure. This is very dependent on the availability of supporting documentation.

Conditions :

–  Minimum loan size is

R 1 million.
–  Interest rate 2% to 4.5% per month (subject to change without notice)
–  Once off professional fee of between 2% and 5% .
–  Loans can be settled earlier with no penalties (subject to negotiation)
–  Ideal loan duration is 3 to 9 months. Loans of up to 24 months can be arranged.

General Conditions :

Two very important elements:

  1. Security
  2. Loan Repayment

A. Security

A first bond needs to be registered over the property offered as security. Second bonds are not acceptable so the current bond will have to be settled and this amount will be added to the bridging loan applied for and should be settled by the proposed transactions, profits.

To determine the value of the property offered as security, the credit provider arranges to have the clients property valued. If you have a valuation, please submit for initial desktop assessment.

The client can then use the funds as they feel fit but with the understanding that the loan needs to be settled at a negotiated and agreed to time in the future ( 3 months to 9 months ideally) and interest hs to be serviced monthly.

In addition, the credit providers may  also require additional security in that they will ask that directors:
1. Resign as directors of the entity (in blank) and
2. Subordinate any loan accounts in the company to the lenders
3. Pledge the shares in the company across to the credit provider for the duration of the facility.

It is necessary to keep these documents in the credit providers possession in the event of non-performance on transactions. However, to date, the credit providers have very seldom had to resort to
harsh action to enforce deal conditions, as a result of careful due diligence investigations being conducted.

In order to give comfort to the client  credit providers are willing to sign letters addressed to the client confirming that changes to the company structure will only be effected should the deal run into extreme difficulties and / or only after all means to resolve the situation have been explored and that no other course is possible.

Credit providers are not in the business of taking over businesses or properties as they are pure money lenders and so these measures can be viewed as a last resort.

B. Loan Repayment

The loan repayment proposal is more important than the security. Security is easy to confirm.  Both you and the bridging company need to feel 100 % comfortable that the loan can be settled in the time negotiated. The focus of all equity release applications needs to be the loan settlement proposal. The Security is only used in the event of a default on the loan settlement and no lender ( or client) wants to call in the security to settle the loan, so please focus on providing a clear and concise explanation and proof, of the ability to settle the loan in the future.

Documentation Required

Step 1

Signed Mandate to Proceed / Professional fee agreement (Third Party Payment instruction)

Step 2

  • Name of entity requiring funds
  • Company registration documents
  • Proof of registered, head office and business addresses
  • Income tax clearance certificate
  • VAT Registration number
  • Latest Financial statements
  • Directors/Shareholders copy of ID and FICA requirements
  • Suretyships details i.e. Name, ID, FICA requirements
  • 3 months of latest bank statements
  • An audit certificate of solvency
  • Copy of title deed of property offered as security
  • An independent valuation of the property
  • Copy of the latest rates account
  • Exit strategy  –  a detailed description of how the loan will be paid back
  • Documents/undertakings/business plans/future property sales etc.

Once this has been assessed by the credit committee, a decline or AIP (Approval In Principle)  is issued. The AIP will indicate the “subject to” conditions relating to the loan.

Once all suspensive conditions have been fulfilled and accepted by the credit committee, funds are released to the client. This process should not take more than 10 days ( from when ALL the supporting documents have been presented). It is essential to have all documentation as required, in order for the process to take place quickly and effectively.

Property Sell, Rent, Buy-Back

If you need to release equity from your property quickly, we arrange for an institutional lender to buy your property with you having the first option to buy it back, within 12 months, at the same price plus interest, broker fees and admin costs incurred.

PLEASE NOTE : This product suits bonded properties, in low risk areas, valued at more than R 1 000 000 and where the bond is no more than 35 % of the property value.

    Documentation required :

    • Erf description
    • Copy Title Deed
    • Proof of address
    • 3 months bank statements
    • Credit check authority
    • Marital status confirmation
    • Proof of Income
    • List of all debts over R 10 000
    • Photos of property
    • Latest Bond statement
    • Signed mandate
    • Property owner details
    • Copy ID

    Conditions :

    • Property value: Must be more than R 1 million

    • Bond: NOT MORE THAN 35 % of the property value

    • Vacant Land: Considered if it is PRIME land

    • Maximum transaction: At not more than 50 % of the property value ( at purchasers sole discretion)

    • Buy-Back Option: You will be granted an option to buy your property back with 12 to 24 months

    • Buy-Back Price: Seller and Purchaser to agree

    • Buy-Back Term: Between 12 months to 24 months

    • Renting: You have and option to rent the property

    • Agents Fee: Once-off  3 % to 5 % depending on deal size

    • Transaction Conditions: This is a property transaction and so both purchaser and seller need to agree on the terms of the transaction

    • Loan: This is NOT a loan product. You sell your property and use the funds to do what you need to and the have the option to buy-back the property in the future




    • Debt consolidation using a bonded property
    • Property equity release to take advantage of an opportunity
    • Use the sale profits as you wish to
    • Settle debt using the property equity
    • Rent to buy property back
    • Stay on in your home
    • You turn property equity into cash – Cash is King.
    • You do not have to move out of your home – no disruption to your life.
    • You can use the money as you wish – no limitations
    • You can buy your property back – life then goes on as it was before selling your property
    • You can settle debt using your property – get your credit profile sorted out.
    • You can take advantage of other opportunities – grow your business

    Sell and Rent Back

    To get cash quick, why not sell your home and rent it back and then when you are ready, you buy back the property. Sell and Rent is also known as Sale and Leaseback and can be applied to any property. We have buyers willing to buy your property, allow you to rent it and give you an option to buy the property back within 12 to 24 months.

    Home Equity Release

    One of the best and quickest ways to get access to the ‘savings’ held in your property is the Sell, Rent, Buy-Back process. This is possible,  even if your credit record is not the best.

    PLEASE NOTE : We are brokers for this product and will submit your information to Third-Parties for assessment and processing.

    If you have a BOND FREE property valued at over R 625 000 AND have a business registered as Trust, (Pty) Ltd or CC , then CLICK HERE for an alternative solution.


    Mezzanine Finance – Developers

    This form of bridging is aimed at property developers needing additional or temporary funds to accelerate their projects. The process for this is the same as that of the Equity Release or Property Secured Bridging above but additional information is required

    Documentation required :
    As per Property Secured Bridging above plus Valuation, proof of sales, rights to develop. A full list available on request.

    Conditions :

    • Pre-sales in place (sale agreements concluded in respect of development units available, and be supported by finance deposits or bond grants)
    • Development loan secured
    • Adequate security
    • Developer to have track record of at least two(2) successful developments;
    • First mortgage bond over development property will be needed
    • Value of immovable property tendered as security (as determined by sworn independent valuation), to equal or exceed 125% of total aggregate encumbrances;
    • Applicants to demonstrate feasibility and demand for development;
    • All required rights, permissions and zoning for development, to be obtained and in place and/or status thereof;
    • Payout on registration date of first bond over development property.


    Mezzanine Finance – Commercial

    Commercial Property Finance – 100 % loans
    If you need to release equity from your property quickly, we arrange for an institutional lender to buy your property with you having the first option to buy it back, within 12 months, at the same price plus interest, broker fees and admin costs incurred.

    Documentation required :
    As per Property Secured Bridging above.

    When purchasing a commercial or industrial property, the banks and lenders will normally only provide you 70 % of the purchase price as a loan. You as the buyer must put in at least 30 % of the property purchase price as a deposit.

    Our mezzanine lenders will put in your deposit for a 30 % share of the ‘upside’ profit at year 3 of the loan. At year 3 they wish to exit the loan and so you will have to find an alternative lender to refund the 30 % deposit and also pay them out their 30 % profit share.

    The advantage to you is that if you see a good property but do not have the required bank deposit, you can still buy the property on the OPM basis…Other Peoples Money. You will be 100 % owner and manage the property. Very good for persons that do not have the required funding to go into property investments and have identified good opportunities.