Invest in Your Home
Your home is likely your biggest asset. Whether you want to renovate your kitchen, add an extra room, upgrade your bathroom, install solar panels, or make essential repairs, a RandCash home improvement loan helps you fund the project without draining your savings.
What You Can Finance
- Renovations: Kitchen upgrades, bathroom remodels, open-plan conversions
- Extensions: Additional bedrooms, granny flats, home offices
- Energy efficiency: Solar panel installation, inverter systems, insulation
- Security: Electric fencing, alarm systems, security gates
- Essential repairs: Roof repairs, plumbing, electrical work, damp proofing
- Outdoor living: Swimming pools, braai areas, landscaping, paving
Loan Details
- Borrow from R5,000 to R250,000 depending on the scope of your project
- Repay over 12 to 72 months with fixed monthly instalments
- Competitive interest rates based on your credit profile
- No need to use your home as collateral — our home improvement loans are unsecured personal loans
- Use the funds as you see fit — hire contractors, buy materials, or both
Adding Value to Your Property
Smart home improvements can significantly increase the value of your property. According to South African property experts, kitchen and bathroom renovations, additional living space, and energy-efficient upgrades typically offer the best return on investment. Before starting a project, research which improvements add the most value in your area.
Tips for a Successful Project
- Plan thoroughly: Get detailed quotes from at least three contractors before committing.
- Budget for overruns: Add 10-15% to your estimate for unexpected costs.
- Check credentials: Ensure contractors are registered with the NHBRC or relevant industry body.
- Get it in writing: Always have a written contract specifying the scope, timeline, and payment schedule.
- Borrow only what you need: Resist the temptation to over-capitalise on improvements that will not add proportionate value.
