Infrastructure Funding

Foreign currency transfers and tax migrations

Unleash the power of global transactions with a seamless foreign currency exchange partner

At NH Finance, we understand the critical role infrastructure plays in the development and growth of communities and businesses. Our specialized Infrastructure Funding solution is designed to support developers and builders in constructing and improving essential infrastructure components such as roads, drainage systems, power and lighting facilities, sewerage, and water supply systems. We also extend our support to include the development of top structures like houses, apartments, and commercial units when applicable.

Step 1

Secure Funding

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To initiate the process, our lender will take out a first bond on the borrower’s property. This serves as a secure way of financing your project, ensuring that the necessary funds are available for the crucial stages of infrastructure development.

With our preferential pricing terms, clients typically save between 1% and 3% on the retail exchange rates. That’s a potential saving of between R10,000 and R30,000 per R1 million transferred (or currency equivalent). At New Heights Finance, we strive to provide you with the best rates in the market, ensuring that your money goes further and you can maximize your savings.

In addition to our competitive rates, we offer specialist advice and assistance with the South African Reserve Bank’s annual allowances for individuals and any related foreign currency exchange control matters. Our team of experts will guide you through the intricacies of exchange control regulations and handle the tricky process of obtaining your Foreign Tax Clearance Certificate from SARS, all at no additional cost to you.

Enjoy the convenience of simple, secure, online registration that lets you book favorable foreign exchange rates whenever needed. Our user-friendly platform allows you to manage your transactions and access our services conveniently and easily. You’ll also receive rate watch alerts and automatic market orders, ensuring that you never miss out on a favorable target rate.

We understand the importance of timing and planning when it comes to currency exchange. With our preferential exchange rates, careful timing, and clever planning, you can make significant savings, enabling your money to go further.

We are committed to providing you with the best possible value. That’s why we offer our ‘Better Price Promise.’ If you receive a live comparative quote from another provider, we will improve it, ensuring that you always enjoy a savings when choosing us.

Furthermore, we offer individual interest-bearing foreign currency and local cash management accounts, giving you more control over the timing of your transactions. With these accounts, your money keeps working for you while you have the flexibility to execute your transactions at optimal times.

Step 2

Utilising Funds

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The secured funds are then utilized to lay down and improve key infrastructure elements. These include:

    • Construction and improvement of roads for better accessibility and mobility.
    • Installation and upgrading of drainage systems to ensure proper water management.
    • Establishment and enhancement of power and lighting systems for reliable energy supply.
    • Development of efficient sewerage and water supply systems for sanitation and health.
    • In certain cases, these funds can also be used to build the top structure, encompassing residential units like houses and apartments, as well as commercial spaces like offices and industrial units.

When you choose us for your tax migration needs, we provide comprehensive assistance and guidance throughout the entire process. Our experienced professionals will help you navigate the necessary documentation, including the required supporting documents for emigration. We can also assist with the declaration form and relevant supporting documentation submission to SARS through eFiling or SOQS.

One of the key aspects of tax emigration is the exit tax, also known as the “exit tax.” When you declare yourself a non-tax resident, you may be deemed to have sold your assets (excluding immovable property in South Africa and your RA) to your foreign self, resulting in a CGT amount becoming immediately due. Our experts will ensure that you understand and comply with these tax obligations, providing you with peace of mind during this transition.

Additionally, our partners can assist with obtaining your Foreign Tax Clearance Certificate from SARS at no additional cost. We take care of the intricate process, allowing you to focus on your emigration plans without any unnecessary stress or hassle.

With our tax migration services, you can trust our foreign currency partners to handle the intricacies of the tax process while ensuring that your financial interests are protected. Contact us today to learn more about our tax migration services and how we can assist you in making your emigration journey smoother and more efficient.


Step 3

Repayment Structure

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The repayment structure is tailored to align with the progress and success of your project. Once the development phase reaches completion and the sale of units (be it apartments, houses, sectional title units, industrial spaces, or offices) begins, the lender is repaid from the proceeds of these sales. This model ensures a flexible and feasible financial solution, allowing for the successful completion of the project before repayment commences.

Whether you need to pay suppliers in different currencies, repatriate earnings from overseas markets, or manage foreign currency accounts, New Heights Finance has the expertise and resources to assist you. Our dedicated team of Personal FX Dealers will work closely with your business to understand your specific requirements and provide tailored solutions.

With competitive exchange rates, low fees, and swift transfers, our business transfer service ensures that your money reaches its intended recipients promptly and efficiently. We understand the importance of timely payments in the business world and strive to make your currency conversions seamless and hassle-free.

Our experts are always available to provide you with expert advice on currency markets and trends. We understand that currency fluctuations can significantly impact your bottom line, and our dealers are here to guide you, helping you make informed choices and minimize risks.

At New Heights Finance, we offer a range of foreign exchange solutions to cater to diverse business requirements. From spot transactions to forward contracts and options, our services are flexible and adaptable, ensuring that you have access to the right tools for your specific currency exchange needs. We can help you mitigate currency risk, plan ahead, and optimize your foreign exchange activities.

Benefits of Infrastructure Funding

Enhanced Project Viability

Our funding ensures that your project has the financial backing it needs from the start, increasing its feasibility and likelihood of successful completion.

Flexible Repayment Terms

With repayment commencing only after sales begin, developers have the breathing space to focus on project completion without immediate financial pressure.

Comprehensive Coverage

Our funding covers a wide range of infrastructure needs, from basic utilities to complex structures, ensuring a holistic approach to development.

Streamlined Process

Our straightforward funding process reduces complexity, allowing you to focus on project execution and management.

Frequently asked questions


What types of projects are eligible for infrastructure funding?

We finance a variety of infrastructure projects, including residential, commercial, and industrial developments, focusing on essential utilities and structures.

How is the first bond on my property used in the funding process?

The first bond serves as security for the loan, ensuring that funds are available and dedicated to your infrastructure project.

Are there restrictions on how the funds can be used?

Funds must be utilized for infrastructure-related expenses, which may include roads, drainage, power, lighting, sewerage, water supply, and in some cases, the construction of buildings.


How does the repayment work?

Repayment starts once sales of the developed units commence. This aligns your repayment schedule with your project’s revenue generation.


What is the typical duration of the infrastructure funding loan?

The loan duration varies based on the project’s scale and complexity. We work with developers to establish a timeline that aligns with the project’s lifecycle and sales projections.

How does the lender assess the viability of a project for funding?

We evaluate projects based on several criteria, including location, project plan, developer experience, market demand, and financial projections.

Is there a minimum or maximum funding amount?

Our funding amounts are flexible and tailored to the specific needs and scale of each project. We encourage discussing your project’s requirements with our team for a tailored solution.

How soon after applying can I expect to receive funding?

The funding timeline depends on several factors, including the completeness of your application and the speed of the approval process. We strive for efficiency to ensure timely support.

Apply for Infrastructure Funding Here