Apply for a loan against your property

To apply for a loan, you will need to meet a few basic requirements:

  • At least 18 years old

  • South African resident

  • Proof of physical address

  • Bank account details

  • Original title deed

Woman applying for loan online

A simple, straightforward process

How it works

Our property loan process is transparent and straightforward. Here's what to expect from application to receiving your funds.

Apply

Complete our application form and submit your property documentation.

Sign

Sign your loan agreement and we'll register the bond.

Receive your funds

Once registration is complete, the loan amount is transferred into your account.

Apply now

Frequently asked questions

We've answered the most common questions to help you make an informed decision.

Still have questions?

Whether you're curious about eligibility, loan terms, or the application process, our team is ready to provide clear answers and guide you through your options.

Contact us

We register a limited bond over your unencumbered property whilst you retain full ownership and occupation rights. Your property serves as security for the loan, but you continue living in it as normal.

Funds are paid once the bond is legally registered at the Deeds Office. The timeline depends on how quickly the bond registration is completed, typically taking a few weeks.

Loan amounts are based on your property's equity value and your affordability assessment, with a maximum loan amount of R300,000. This allows you to access substantially more than traditional personal loans.

You retain full ownership and can continue living in your property as normal. We simply register a limited bond as security, which is removed once the loan is fully repaid.

Unfortunately, we can only provide loans against unencumbered properties. Your property must have no existing bonds or debt secured against it.

Apply for a loan today

Complete our quick application form. Our team will guide you through a simple process from application to funding.

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