Rent to Buy

Select your dream home, whether it’s a new development or an existing property, up to a value of R1.5 million. Your journey starts with finding the perfect place to call your own.

• Explore a wide range of properties across South Africa, from modern apartments to family homes.
• Work with our team to find a property that matches your lifestyle, budget, and long-term goals.
• Ensure your chosen home fits within the R1.5 million cap to qualify for our Rent-to-Buy program.
• Visualize your future, whether it’s a vibrant urban setting or a peaceful suburban retreat, we’ll help you find the ideal match.

Complete our simple online application with these documents. We’ll assess affordability to ensure your monthly rent is 30% or less of your net income, keeping your journey stress-free.

• Required Documents:
    • Certified copy of your ID (South African citizens) or Passport (foreign nationals).
    • 6 months’ bank statements to verify your income stability and financial health.
    • Proof of address (not older than 3 months), such as a utility bill or lease agreement.
• Affordability Assessment: We calculate your monthly net income and ensure your rent fits comfortably within 30% of it.
• Secure Process: Our online portal is user-friendly, secure, and designed to make your application process quick and hassle-free.
• Support Available: Our team is ready to assist with any questions, ensuring you feel confident at every step.

Our team evaluates your chosen property to confirm fair market value, ensuring a sound investment. A one-time R3,000 admin fee applies for non-members, with transparency at every step.

• Expert Assessment: Our experienced evaluators analyze the property’s condition, location, and market trends.
• Fair Pricing: We ensure the property’s price aligns with its true market value, protecting your investment.
• Admin Fee Details: Non-members pay a R3,000 fee to cover evaluation costs; members enjoy this service at no extra charge.
• Transparency Guaranteed: You’ll receive a detailed report of our findings, giving you confidence in your decision.

Get a clear, detailed quotation outlining your financial commitment over the 15-year term. Here’s what it includes:

• Property Price: The full cost of your chosen property, ensuring complete transparency.
• Rental Term: A fixed 15-year (180-month) period for predictable planning.
• Interest Rate: Fixed at 4% above the prime rate, currently 15.00% (prime rate of 11.00% + 4.00%).
• Deposit: A 10% deposit to secure your commitment (e.g., R100,000 for a R1,000,000 property).
• Example Calculation: For a R1,000,000 property with a R100,000 deposit, your monthly rent is approximately R10,400 at 15.00% interest over 15 years.
• Total Clarity: Understand your total rent payable and monthly commitments upfront, empowering informed decisions.

We submit a formal offer to the seller on your behalf, turning your vision into action. Whether it’s a developer or a private owner, we handle the details to secure your future home.

• Professional Negotiation: Our team ensures the offer aligns with your Rent-to-Buy terms and market conditions.
• Developer or Owner: We manage offers for new developments or existing properties through mandated agents.
• Seamless Transition: This step marks the shift from dreaming to doing, with our support every step of the way.
• Clear Communication: You’ll be updated on the offer’s progress, keeping you informed and in control.

Formalize your commitment with our Rent-to-Buy agreement. It’s flexible, transparent, and tailored to your needs, with clear milestones to guide you. We recommend legal consultation for peace of mind.

• Comprehensive Terms: The agreement outlines all responsibilities, timelines, and payment details.
• Personalized Support: Engage in a consultation with our team to understand every clause fully.
• Flexible Options: Customize the agreement to suit your unique circumstances and goals.
• Legal Guidance: We advise consulting a legal expert to ensure you’re fully confident before signing.

Secure your property with a 10% deposit (e.g., R100,000 for a R1,000,000 property). This refundable deposit lowers your monthly payments and brings you closer to ownership.

• Deposit Amount: 10% of the property value secures your commitment (e.g., R150,000 for a R1.5 million property).
• Financial Impact: A higher deposit reduces your monthly rent and total interest over 15 years.
• Fully Refundable: If you cancel the agreement, your deposit is returned in full, no risk.
• Strategic Investment: This step solidifies your path to homeownership with financial flexibility.

We register the property in our name during the rental period, ensuring legal clarity and security. Funds are safely handled via an attorneys’ trust account, keeping the process compliant and smooth.

• Legal Process: The property is registered with Sandton Property Capital, ensuring compliance with South African laws.
• Secure Transactions: Funds are managed through a trusted attorneys’ account for maximum safety.
• Ownership Transition: This step prepares for your eventual ownership after the 15-year term.
• Your Role: Continue your Rent-to-Buy payments while we handle the legal formalities.

After 15 years (or sooner with extra payments), the property is yours! We transfer the title deed to you or your designated next of kin. If you miss three payments in a year, the agreement may be canceled, but we’ll work with you to find solutions first.

• Title Deed Transfer: The property is officially transferred into your name or a chosen family member’s.
• Flexible Payments: Pay extra at any time to shorten the 15-year term and own your home faster.
• Default Policy: Three missed payments in a year may lead to cancellation; we’ll collaborate to avoid this.
• Celebrate Ownership: Receive your title deed and enjoy the pride of owning your dream home!