Important — who this is for, and who it isn't
This product is for corporate borrowers (Pty Ltd companies, corporate trustees of investment trusts) executing property renovation and resale as a business activity. It is not for:
- —Individuals renovating their own home.
- —Individuals renovating an investment property in their personal name (that's NCCP-regulated territory — we cannot help).
- —Owner-occupier renovations of any kind.
If you are a natural person renovating residential property in your own name, please contact a licensed credit provider.
How we structure flip finance
| Loan size | From $250,000 upward |
| Term | 3 to 12 months |
| LVR | Up to around 70% of purchase price plus a defined renovation budget tranche |
| Borrower | Pty Ltd or corporate trustee — entity must be the registered proprietor on title |
| Security | Registered first mortgage over the subject property |
| Settlement | Often 7–10 business days from initial enquiry on a clean file |
| Exit | Resale, or refinance to an investment loan held in the same entity |
| Pricing | Set by the panel lender or private investor on each deal |
What we need
- —Borrower entity (Pty Ltd or corp trustee).
- —Contract of sale (or recent purchase settlement) for the subject property.
- —Renovation scope and budget — itemised, with builder/trades quotes.
- —Resale strategy and target sale price supported by recent comparable sales.
- —Borrower's track record (prior flips completed — useful but not mandatory for first-timers with strong fundamentals).
- —Signed Business Purpose Declaration before drawdown.