Commercial Property Finance

Choose to pay back the interest only on your bond and a portion of the capital amount.

Commercial Property Loans with a difference – interest only bonds on commercial property

Flexible commercial property finance at last

As a property investor or entrepreneur, you need a fast and flexible finance solution when a good opportunity comes along. Rather than waiting for months on end for bond approvals and impersonal treatment, our private lenders can finally provide the commercial property finance solution you’ve been waiting for.

As opposed to a traditional bond where you pay back interest and the capital amount, our solution allows you to pay the interest-only if you choose to do so. This leaves more money in your pocket to invest back into your business. 

You are guaranteed a response within 48 hours so you won’t be left hanging for months on end waiting for an answer on whether your commercial property loan is approved or not. 

How It Works

Traditional Capital and Interest Repayment Model

Bond:                     R 50 million

Term:                     10 years

Interest:                Prime plus 1 % ( 11.25 % )

Repayment:      R 695 844 pm

Interest Only Model

Bond:                     R 50 million

Term:                     5 years ( plus 5 years if account handled well)

Interest:                Prime plus 1 % ( 11.25 % )

Repayment:      R 468 750 pm

32 % Cash Flow Improvement – R 227 094 pm x 12 =  R  2 725 128 pa


Loan To Value:         Maximum  75 %

Ownership:                3 years minimum

Property Type:          Retail, Office and Industrial

Vacancies:                  Not more than 5 %

Interest:                      Prime plus 1 % to Prime plus 3 %

Fixed Interest:           Option to Fix Interest Rate for 5 years.

Loan Values:              R 20 million to  R 80 million


Massive Cashflow Improvement

Unlock Capital – Equity to Cash

Turn Negative Cashflow into Positive Cashflow

Refinance Commercial Property Loan

Refinance Industrial Property Loan

Quick responses

  • The interest only property strategy on commercial property is unique in South Africa. We facilitate your cashflow improvement strategy, with an Interest Only Mortgage Loan
  • Interest Only Commercial Property Loans and an Interest Only Industrial Property Loan are available for retail, office and industrial properties that have been owned for longer than 3 years.
  • A tenanted Retail Centre, Office Block or Industrial property, valued at more than R 20 million up to R 80 million,  can make use of an Interest Only Mortgage.
  • You can also Refinance Commercial Property with an Interest Only Bond, and in so doing reduce your monthly repayments.
  • Switching to interest only mortgage, is a simple process because interest only mortgage lenders are motivated to lend money because these are private funds, allocated to this loan program.
  • Our commercial mortgage refinance packages can be ‘rolled over’ ( renewed ) at the end of each 5 year term, subject to lenders conditions.
  • To secure a mortgage bond interest only, will require the same application process as a normal bond application BUT is a much quicker process.


What is the Loan Value?

R 20 million to  R 80 million

How Quickly Will I Receive The Loan?

Approx 30 days from when all the documents requested, have been provided

Is there any risk to me?

No, as long as you comply with all the terms and conditions of the mortgage bond agreement

Can I purchase a property using the Interest Only Mortgage Loan?

Not at this time. It is only for existing property owners.

Is this applicable to homes?

Sorry, no. Only commercial and industrial properties.

What types of property does this apply to?

Warehouses, Shopping Centres, Factories, Hotels, Student Accommodation, Office Blocks, Apartment Blocks etc.

What is the advantage?

Cashflow is immediately improved by approx 30 %

How long is the Interest Only Property Mortgage?

5 years with option for another 5 years.

When do I pay the capital back?

Within 5 years or at the end of the 5 year term

Can I extend the bond for more than 5 years?

Yes, if the account is been well handled, it is possible for another 5 years.

How do I pay the capital back?

By securing a bond from a normal banking institution