Sell on Your Terms.
Buy Without Waiting on a Bank.
We structure seller-financed property deals that are drafted and registered by a conveyancer, so buyer and seller are both protected.
When the Bank Isn't the Only Option
With seller finance, the seller carries part of the price and the buyer pays it off over time. It suits more deals than most people think.
For sellers
Sell a property that's been slow to move, and earn monthly income with interest.
- Attract buyers the banks overlook
- Achieve a stronger price for flexible terms
- Earn a monthly return instead of one lump sum
- Ideal if your bond is paid off or small
For buyers
Buy property even if a bank won't fund the full price today.
- Self-employed with irregular income
- A deposit but not enough for a full bond
- SMEs buying their own premises
- Buyers repairing their credit record
How Seller Finance Works in South Africa
We match each deal to the structure that fits the property, the bond position and both parties' goals.
Seller's Bond
The property transfers to the buyer at the start. The seller lends part of the price, secured by a bond registered in the seller's favour.
- Buyer owns from day one
- Seller's loan is secured over the property
- Can sit alongside a smaller bank bond
Best for: sellers with no bond or a small bond, retirees, estates and commercial property.
Instalment Sale
The buyer pays the price in instalments over time, and transfer takes place later. Governed by the Alienation of Land Act.
- Contract registered against the title deed
- Buyer can demand transfer once 50% is paid
- 30 days' notice required before cancellation
Best for: buyers who can't access bank finance yet, with sellers who own the property outright.
Rent-to-Own
The buyer rents with an option to purchase. Part of the rent builds up as a credit towards the deposit.
- Seller keeps ownership during the lease
- Buyer has 12 to 36 months to qualify
- Clear terms if the option isn't used
Best for: buyers building a deposit or credit record, with landlords who want a committed tenant.
From Enquiry to Registered Deal
We do the structuring. A conveyancer makes it legal and binding.
- 1
Tell us about the deal
Send us the property, the price and the bond position using the form below.
- 2
We assess it
We check the bond position, the buyer's ability to pay and which structure fits.
- 3
Agree the terms
Deposit, instalment, interest rate and term are agreed by buyer and seller, in writing.
- 4
Conveyancer registers it
A conveyancer drafts the agreement and registers it at the Deeds Office.
🛡️ What we won't do
We don't arrange informal "bond takeovers", where a buyer pays the seller's bond while everything stays in the seller's name and nothing is registered. These deals leave the buyer with no ownership and the seller with a debt they no longer control. Every deal we structure is in writing and registered.
Check If Your Deal Qualifies
Free, no obligation and POPIA-compliant. Sellers, buyers and agents welcome.
Seller Finance Questions, Answered
Straight answers before you start.
Is seller finance legal in South Africa?
Can a buyer take over my existing bond?
What if the buyer stops paying?
Who sets the interest rate and terms?
What does it cost?
Does this work for commercial property?
Grandeur Listings is a PPRA-registered property marketing company. We structure and package seller-financed property deals; we are not a lender or credit provider and do not provide legal or financial advice. All agreements are drafted and registered by an independent conveyancer. Sellers charging interest should confirm whether the National Credit Act applies to their agreement.