Home Renovation Financing

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We partner with South Africa's leading banks to offer flexible financing solutions tailored to your project and budget.

Financing your home renovation

A major factor in your plan will be how to finance the renovation. You have a couple of options available.

Home Equity Loan

  • Home equity refers to the difference between the property’s market value and what you owe on your bond.
  • This means your equity increases if the value of the property does. If you owe R1 000 000 on your bond and the property is worth R1 200 000, you have equity of R200 000.
  • Drawing on home equity is referred to as refinancing your home loan, and can be used to cover other expenses aside from home renovations.
  • You can apply for a home equity loan in the same way you apply for a home loan. The higher your credit score, the higher your chance of approval and the lower your interest rates on the home equity loan.

Home Improvement Loan

  • Get discounted interest and extended terms for your renovations & home building.
  • Get a term loan of up to R500 000 or an access facility of up to R500 000 to help you transform your home.
  • Applying for a Home Improvement Loan is a more streamlined process than applying for other types of loans, but will still require a good credit score for approval.

We are currently negotiating additional options for finance credit from other partners, check back soon.