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Rent-to-Buy is a 3-year rental period with monthly rental fixed upfront. At the end of the 3 years, you may exercise the option to buy the house (at a price fixed upfront in year 1) and subject to a final credit check.

If you are falling short of affordability and the monthly payments are just too high, then Rent-to-Buy might suit you the best. The initial rental is approximately 10% lower than the home loan option.

It is a great option if you would like to test out home ownership. To find out more, click here!

The Rent-to-Buy offering runs for a period of 25 years. It is a three year lease and then a fixed interest rate home loan for 22 years.

One is not better than the other, but sometimes one product suits a person better than another. 

For both the Rent-to-Buy and the Chartwell Home Loan, we require a full credit check.

Clients who do not yet have an established track record of stable employment can apply. Rent-to-Buy helps establish a credit record.

The Rent-to-Buy offering helps you test out home ownership, the location of the development as well as the development itself.

During the lease period of the Rent-to-Buy offering, we require a 3 months early termination notice. No lease renewals are allowed.

You would need to following documents when applying for a Rent-to-Buy: 

  • Your original ID document
  • If you are married, we also need the original ID document of your spouse
  • A copy of the marriage certificate (if applicable)
  • Your pay slips for the last 3 months, as well as for your spouse (if applicable)
  • if you are paid weekly, you must bring your last 4 months of payslips and bank statements. If you work overtime or earn a commission, you must bring your last 6 months of payslips and bank statements
  • You would need Proof of Residence (such as a Telkom account, water account or electricity account) that clearly shows your name and the address of your residence

We calculate the gross household income required based on each development. Thus, each development requires a different unique gross household income. We have indicate this on each development page. Click here to find the home of your dreams!