A Property Investment Club is a group of individuals who pool their capital in a shared bank account to invest in real estate together. By combining resources and market insights, members gain access to larger and more lucrative property deals, such as prime residential or commercial properties in South Africa, than they could afford individually.

- Scale & Buying Power: Pooled funds in a shared account enable investment in high-value properties.
- Shared Expertise: Access collective market research, professional networks, and operational support.
- Risk Mitigation: Spread investment risk across multiple members and diverse properties.
- Ongoing Support: Receive regular portfolio updates, performance reviews, and flexible exit strategies.

1. Complete the online Club Membership Form on the Property Investment Clubs page.
2. Submit a certified copy of your ID and proof of funds (e.g., bank statements or investment account details).
3. Attend a short welcome briefing to understand the club’s operations and goals.
4. Once approved, you save funds in a shared/common bank account managed by the club members, with Sandton Property Capital facilitating investor matching.

Yes, existing South African stokvels can join Sandton Property Capital’s platform to professionalize their investment process. Stokvels maintain their own shared bank account, and Sandton Property Capital matches investors and provides management support without accessing funds or handling transactions beyond membership fees. This ensures financial autonomy while helping replace members to meet investment goals.

Sandton Property Capital does not collect or manage investments. Members save their contributions in a shared/common bank account controlled by the club. Our role is to match investors with suitable opportunities and provide professional guidance, ensuring transparency and alignment with investment goals.

Profits are distributed based on each member’s investment share in the shared account, as outlined in the club’s agreement. Regular updates ensure transparency and fairness for all members.

Real estate investments carry risks, such as market fluctuations or property management challenges. Sandton Property Capital mitigates risks through diversified investments, thorough due diligence, and professional guidance. Since funds are held in a member-controlled shared account, consult a financial advisor for personalized advice.

A healthy credit profile enhances your ability to secure competitive home loan rates, higher loan amounts, and faster approvals from banks. It also improves your financial credibility with lenders and service providers, facilitating access to credit for major purchases like property.

- Insufficient Credit History: Limited or no existing loans or credit accounts.
- Late or Missed Payments: Defaults, arrears, or judgments that lower your score.
- High Utilisation: Carrying credit card or loan balances close to their limits.
- Data Errors: Inaccurate or outdated information on credit bureau reports.

1. Assessment: We collect your credit bureau report (free from bureaus like TransUnion or Experian), bank statements, and supporting documents.
2. Action Plan: Develop a tailored strategy, such as disputing errors, consolidating debt, or negotiating with creditors.
3. Implementation: Assist in correcting inaccuracies, settling disputes, and structuring affordable repayment plans.
4. Monitoring: Track progress with credit bureaus and lenders until your score reaches the target for home loan eligibility.

Simple corrections, like disputing errors, may reflect in 4–6 weeks. Complex issues, such as settling paid-up arrears, can take 3–6 months. Regular monitoring ensures steady progress.

Most clients see a 50–150 point increase in their credit score, improving access to better loan rates and higher borrowing limits. Results depend on individual circumstances.

Yes, when focused on correcting inaccuracies or managing legitimate issues, credit repair is legal and ethical in South Africa. Sandton Property Capital adheres to regulations, ensuring transparency. Beware of providers promising to remove accurate negative information, as this may indicate a scam.

A rent-to-buy scheme allows you to rent a property with the option to purchase it, where the total monthly rent contributes directly to the purchase price over a 15-year (180-month) term. It’s designed for those with credit challenges or limited upfront funds to achieve homeownership.

- South African citizens, permanent residents, or legal foreign nationals.
- Employed or self-employed individuals.
- Those with credit challenges or limited credit history.
- Applicants seeking properties valued up to R1.5 million.

1. Select a Property: Choose a property up to R1.5 million from new developments or existing listings across South Africa.
2. Submit Documents: Provide a certified ID/passport, 6 months’ bank statements, and proof of address (e.g., utility bill not older than 3 months).
3. Affordability Check: Monthly rent must not exceed 30% of your net income, verified via bank statements.
4. Pay 10% Security Deposit: Held in an interest-bearing trust account, refundable with full control at term’s end.
5. Sign Lease-to-Buy Agreement: Fixed 15-year term with monthly payments at 15.75% interest (prime rate 10.75% + 5% as of July 2025), where all rent contributes to the purchase price.
6. Ownership Transfer: After 15 years, or earlier with extra payments, the title deed transfers to you or a nominated beneficiary upon full payment, with minimal transfer registration costs.

- Equity Building: All monthly rent payments contribute to the purchase price, building equity over time.
- No Large Deposit for Purchase: The 10% deposit is refundable and held separately, unlike traditional home loans.
- Fixed Rate: Locked at 15.75% (as of July 2025), protecting against future rate increases.
- Flexibility: Extra payments can shorten the term, and early cancellation incurs no penalties.

- Market Risk: Property value may decrease, making purchase less attractive.
- Financing Challenges: You may struggle to secure a bond for any remaining balance at the term’s end.
- Loss of Fees: If you don’t purchase, you may lose the option fee and rent credits, though the deposit is refundable after deductions.
Consult a real estate attorney to review agreements.

- Monthly rent is calculated on the full property value as a loan, using a fixed interest rate of 15.75% (prime rate 10.75% + 5% as of July 2025) over 15 years, with all rent contributing to the purchase price.
- For a R1,000,000 property, the monthly rent is approximately R14,200.
- Rent is capped at 30% of net income (e.g., R12,000 for a R40,000 net income) to ensure affordability.
- A one-time R3,000 admin fee applies for non-members during property evaluation; members receive this service free.

- The 10% deposit (e.g., R100,000 for a R1,000,000 property) is refundable and held in an interest-bearing trust account, accruing interest for you.
- It does not reduce the property value for monthly rent calculations.
- At the end of the 180-month term, you have full control over the deposit, choosing to:
  - Apply it to the remaining rent if the unpaid balance is less than or equal to the deposit.
  - Use it for transfer costs to complete the purchase.
  - Receive it in full (plus interest) for personal use.
- Refunds are subject to deductions for outstanding rent, arrears, repair costs for damage beyond normal wear, unpaid cleaning or utility charges, or amounts owed in cases of default or if the main applicant dies and the next of kin cannot or chooses not to continue.

Yes, you can purchase the property early by securing financing (e.g., a bank bond) to cover the remaining balance, with all prior rent payments contributing to the purchase price. Extra payments can also shorten the term without penalties.

Yes, you can buy the property mid-term using any payment method, such as a bank bond, to cover the remaining rent balance, facilitating earlier ownership.

- Missing Payments: Missing three months’ rent in a year may trigger lease termination, but Sandton Property Capital will first attempt to find solutions.
- Early Cancellation: There are no penalties for early cancellation. Owed amounts (e.g., unpaid rent or repairs) are deducted from the 10% deposit, with the balance refunded.
- Death of Main Applicant: The lease continues under the estate until formally ended. If the family or next of kin chooses not to continue, the deposit is refunded to the estate after deducting any outstanding rent, repairs, or utility charges, with no cancellation penalties.
- Non-Purchase at Term’s End: If you cannot purchase, you forfeit the option fee and rent credits, but the 10% deposit is refunded after deductions. You have full control over the deposit, choosing to apply it to remaining rent, use it for transfer costs, or receive it for personal use. You must vacate the property, which may then be offered to another tenant or sold.