Property-Backed Loans
Borrow against the equity in your property — up to 50% of what it's worth today, minus any outstanding bond. Tell us about it and we will email you a decision shortly.
Tell us about your property, its value, any outstanding bond, and your contact details.
We email you a decision shortly. If we can't help, we'll point you at lenders who can.
Submitting an enquiry does not guarantee approval and is not an offer of credit. Eligibility depends on your property's equity and your income. Every figure is indicative and subject to an independent valuation.
Indicative amount available
Indicative only — this is not an offer. The final amount depends on an independent valuation of the property and an affordability assessment.
Why we cap enquiries at 50% total loan-to-value
The 50% cap is a total loan-to-value rule: the new loan plus any existing bond together must stay within 50% of what an independent valuer says your property is worth. It is not 50% on top of whatever you still owe on your bond — the bond counts against the same 50%.
- It leaves you an equity buffer — you are never lent right up to the full value of your property.
- A dip in the property market does not put you underwater, because the buffer absorbs it.
- It is a deliberate refusal to over-indebt you, in line with the affordability principles the National Credit Act sets for NCR-registered credit providers.
What we look at
Before we can confirm a figure, our assessment examines:
Your title deed
Confirms the property is registered in your name.
Your bond statement
Shows exactly what is still owed against the property.
Your municipal rates account
Confirms the property and its address.
An independent valuation
Sets the actual current value the 50% cap is measured against.
An affordability assessment
Confirms you can afford the repayments, as required by the National Credit Act.
How long it takes
Once we have your title deed, bond statement, municipal rates account and an independent valuation, we aim to come back to you with a decision within 3 business days.
The honest limits
- Every amount shown on this page is indicative and not an offer of credit.
- The final amount depends on an independent valuation of the property and an affordability assessment of your income.
- Approval is not guaranteed and is subject to NCR-regulated credit criteria.
- Your property must be registered in your own name — a title deed in someone else's name will not qualify.
- RandCash is not the lender. We are not yet lending against property in South Africa — if we cannot help, we will point you at lenders who can.
Step 1 of 3
Tell Us About Your Property
Frequently asked questions
How much can I borrow against my property?
Up to 50% of your property's value, minus any outstanding bond. The exact figure depends on an independent valuation.
Does my property need to be paid off?
No. A property-backed loan is secured against the equity you already have — your property value minus what is still owed on the bond. We are not yet lending against property in South Africa: send us your enquiry and we will email you a decision shortly, and if we cannot help we will point you at lenders who can.
Why do you cap the loan at 50% total?
The 50% cap counts the new loan plus any existing bond together, never more. It leaves you an equity buffer, so a dip in the property market does not put you underwater, and it follows the affordability principles the National Credit Act sets for registered credit providers.
What will you check before approving me?
Your title deed, your latest bond statement, your municipal rates account, an independent valuation of the property, and an affordability assessment of your income.
How long does it take to hear back?
We aim to come back to you within 3 business days of receiving your title deed, bond statement, and valuation. This is not a guarantee of approval and not an offer of credit.
Is the amount shown on this page a firm offer?
No — every figure on this page is indicative only, not an offer. The final amount depends on an independent valuation of the property and an affordability assessment, and is subject to NCR-regulated credit approval.