Finance Your Backyard.
Generate Passive Income.
Build Rooms • Property-Backed Finance • Passive Income
What is Backyard Finance?
Backyard Finance is a specialized property finance product that helps South African property owners build rental rooms in their backyards. It's a property-backed loan that works like a home loan, allowing you to:
Finance the construction of backyard rental rooms
Generate passive rental income to help pay off the loan
Build wealth by increasing your property value
Access flexible repayment terms up to 30 years
Why Build Backyard Rooms?
Generate Income
Earn rental income per month to cover your loan repayments.
Increase Property Value
Additional structures can significantly increase your property's market value.
Build Financial Security
Create a sustainable income stream that provides long-term financial stability.
The Process
- 1
Submit Application
Fill in our online application form with your details and project requirements.
- 2
Document Submission
Provide required documents including ID, payslips, bank statements, and property docs.
- 3
Affordability Assessment
We review your income, expenses, and credit profile to determine loan amount.
- 4
Property Valuation
Professional valuation to confirm property value and development potential.
- 5
Approval & Payout
Once approved, funds are released in stages as construction progresses.
Who Qualifies?
To qualify for Backyard Finance, you need to meet the following criteria:
Personal Requirements
- South African citizen or permanent resident
- Minimum monthly income of R15,000
- Employed or self-employed
- Good credit record
Property Requirements
- You own the property or are in the process of purchasing it
- Sufficient yard space for development
- Property must comply with zoning regulations
- Access to municipal services
Apply for Backyard Finance
Complete the form below to start your application. We'll be in touch within 24 hours.
Calculate Affordability