Property Finance in South Africa
Quick Answer: We facilitate property finance solutions from R50,000 to R100 million. Whether you’re a homeowner waiting for a property transfer, a developer funding a new project, or a property owner releasing equity, we compare offers from South Africa’s top alternative lenders to get you funded fast.
Up to R100 mil
Available Funding
48 Hours
Fastest Approval*
20+
Lenders Compared
35,000+
Successful Applications
What is property finance?
Property finance covers a broad range of short and medium-term funding solutions designed to help South African homeowners, property sellers, investors, and developers access capital quickly – whether you’re building a transfer gap, taking out a loan against your property, or funding a new development.
How much can I borrow?
For property sellers advances, lenders typically advance up to 75% of your confirmed sale proceeds. For equity release and loans against property, lending is based on up to 80% of the property’s market value. For development finance, the amount is determined by the project scope and pre-sales record.
| Feature | New Heights | Traditional Banks |
|---|---|---|
| Time to funding | 24 – 72 Hours | 2 – 6 Weeks |
| Application complexity | 1 Form, multiple offers | Extensive paperwork |
| Collateral required | Often unsecured | Usually required |
| Approval rate | High | Low |
Who qualifies for property finance?
Property finance products are primarily secured against the value of a confirmed transaction or asset. While criteria vary by product, these are the baseline requirements across our network.
Confirmed Property Transaction or Asset
You must have a signed offer to purchase, an approved bond, or a fully paid-up property to use as security.
South African Resident or Registered Entity
Available to South African citizens, permanent residents, and registered legal entities (PTY LTD, CC, Trust).
Transfer Attorney Confirmation
For bridging and sellers advance products, confirmation from the transferring attorney is required to verify the transaction.
How long does approval take?
Property bridging and sellers advance applications are typically approved within 24 to 48 hours once the transfer attorney confirms the transaction and all required documents are received. Development finance and commercial property finance take longer due to valuation and legal verification, usually 5 to 10 working days. We keep you informed at every step.
What you’ll need to apply
Property finance frequently asked questions
How quickly can I get a property bridging loan?
Once all documents are received — including your signed OTP and transfer attorney confirmation — most property bridging applications are approved within 24 to 48 hours and funded within 48 to 72 hours.
Do I need a good credit record for a sellers advance?
Not necessarily. Sellers advances and bridging loans are primarily assessed on the strength of the confirmed sale transaction, not your personal credit profile. We assess each application individually.
What is the difference between equity release and a bond refinance?
Equity release involves borrowing against the value of a fully paid-up property. Bond refinancing involves accessing a portion of an approved new or second bond before the bank disburses the full amount. Both allow you to access cash from your property without selling it.
Can I get property bridging finance if I'm the estate agent?
Yes. Estate agent commission advances allow registered agents to access a portion of their confirmed commission before the sale transfer is complete.
Are there any upfront fees?
No. New Heights Finance charges no upfront fees. Our brokerage cost is incorporated into the loan offer — you never pay anything before receiving your funds.