If there is enough property value and sustainable income, we can assess whether a recovery route may help you remain in the property and work towards owning it again.
Stay & recover →
Property Solutions for South African Homeowners
Your property may give you more options than you think.
Behind on your bond? Struggling with debt? Worried about legal action? Or simply need a better way forward? Real Estate Assist helps homeowners understand what their property may make possible.
Free initial assessment
No obligation
Tailored to your situation
This is not another loan application.
We are not a bank and this is not debt review.
We look at your property, what you owe,
your income and what you want to achieve,
then assess whether a structured property
solution could help.
● 60-Second Fit Check
3 questions
Question 01
Do you own residential property in South Africa?
Our homeowner solutions use your property as part of the solution.
Question 02
What do you most need help with?
Choose the option closest to your situation.
Question 03
Do you currently have a steady monthly income?
Income can be important if your goal is to stay in or later buy back your home.
Your situation may be worth assessing.
Start My Free Assessment →
This quick check does not confirm
qualification.
We still need to assess your property,
bond, equity, income and circumstances.
Keep Your Home
Explore a recovery path.
Unlock Equity
Use value already in your property.
Buy Time
Avoid rushed decisions.
Sell Smarter
Aim for a better outcome.
Your Property Journey
From feeling stuck to knowing what to do next.
You don't need to understand complicated property structures before speaking to us. Start by telling us what's happening. We help you understand the options from there.
Less panic. More clarity.
Before making a major property decision, you should understand what is happening, what your realistic options are and what each path could mean for you.
1. Pressure
Bond arrears, debt, legal letters or financial pressure can make everything feel urgent. The first step is understanding exactly where things stand.
What Are You Trying To Solve?
Start with the outcome you need.
You don't need to know our product names. Tell us what you want to achieve and we assess whether there is a realistic property solution that may fit.
Your property may be worth more than what you still owe. That difference is called equity, and it may create options even when a normal bank loan is not available.
Understand your equity →If you need to sell, you may not have to make every decision under pressure. A suitable structure may create more time to deal with the property properly.
Create breathing room →If selling is the right answer, we assess whether the property can be stabilised, improved or sold in a more controlled way instead of through a rushed distressed sale.
Explore a better sale →
More Options. Less Pressure.
Your property can become part of the solution.
Instead of only asking: “Can I qualify for another loan?” we look at what you already have: your property, its value, what you owe, your income, and the outcome you need.
Situations We Assess
Which of these sounds like you?
01 / BOND
“I'm behind on my bond.”
We assess what is outstanding, what the property is worth and whether the numbers create a possible route forward.
02 / DEBT
“My monthly debt is too much.”
If enough value is tied up in the property, there may be a property-based way to address financial pressure and creditors.
03 / LEGAL
“Legal action has started.”
If attorneys, summonses or a sale in execution are involved, timing matters. We assess what may realistically still be possible.
04 / CREDIT
“The bank won't help me.”
Our solutions are not based on simply approving another loan. We look at the property and the full financial situation.
05 / SELL
“I need to sell, but I need time.”
A rushed sale can destroy value. We assess whether there is a more controlled route that gives the property time to be sold properly.
06 / HOME
“I really want to keep my home.”
If the numbers make sense and there is sustainable income, we can assess whether a recovery structure is possible.
Important To Understand
This works differently from a bank loan.
You are not asking Real Estate Assist to simply give you another loan. We assess whether your property can be used as part of a structured real estate solution.
✓
We are not a bank.
This is not a normal home loan,
personal loan or access bond.
✓
We are not debt review.
Our solutions are built around
your property and your circumstances.
✓
An investor may become involved.
Some solutions can involve an investor
purchasing, improving or helping structure
the property transaction.
✓
You understand the proposal first.
The structure, relevant costs,
intended outcome and next steps
are explained before you decide
whether to proceed.
Possible Routes
Different homeowners need different solutions.
The correct route depends on your property, available equity, income, debt, legal position and whether your goal is to keep or sell the home.
Stay in the home while you recover.
Where there is enough equity and sustainable income, a structured transaction may allow the homeowner to remain in the property while working towards financial recovery and potentially repurchasing it later.
POSSIBLE ROUTE:
RECOVERY
Create time and protect the sale.
If keeping the property is not realistic but there is value worth protecting, a structured sale may help settle immediate pressure, improve the property or create time to sell more effectively.
POSSIBLE ROUTES:
JOINT VENTURE / BREATHER
Deal with serious mortgage pressure.
When equity and income are limited and legal action has progressed, the focus may shift to resolving the mortgage position and avoiding a worse forced-sale outcome where possible.
POSSIBLE ROUTE:
REBOUND
Personal property assessment
What Happens Next?
First we understand. Then we look for a solution.
You don't need to know which Real Estate Assist product you need. That is what the assessment is for.
01
Tell us what's happening.
Complete the assessment about your property, bond, debt and what you need help with.
02
We look at the numbers.
We assess the property value, amount owing, available equity, income and current legal pressure.
03
Speak to a specialist.
If there appears to be a workable route, a Real Estate Solution Specialist can discuss your situation with you.
04
Understand your option.
You see how the proposed structure works before deciding whether it makes sense for you.
Is Real Estate Assist For You?
A quick way to know whether we're the right type of company to speak to.
It may be worth speaking to us if…
✓
You own residential property
in South Africa.
✓
You are behind on your bond or
under serious financial pressure.
✓
Your property has equity or value
that may create options.
✓
You want to keep your home and
have income that may support a
recovery structure.
✓
Or you are willing to sell but
want to avoid a rushed distressed sale.
We are probably not what you need if…
×
You don't own property and simply
need a personal cash loan.
×
You are only looking for another
bank loan or a new bond.
×
You only want traditional debt review.
×
You expect a guaranteed outcome before
the property and numbers have been assessed.
Already Facing Legal Action?
Assess My Situation
→
The earlier the situation is assessed, the better.
If there is a summons, sale in execution or upcoming auction, tell us exactly where the legal process currently stands when completing the assessment.
Straight Answers
Know what you're enquiring about before we phone you.
These are the important things we want every homeowner to understand before sending us their information.
Does Real Estate Assist give loans?
No.
Real Estate Assist is not a conventional lender.
We assess structured real estate solutions
that may use your property and the value
available in it as part of the solution.
Do I need to own property?
Yes.
The homeowner solutions on this page
are designed for people who own
residential property.
What exactly is property equity?
In simple terms, equity is the difference
between what your property is worth and
what you still owe against it.
If the property is worth substantially
more than the outstanding amounts,
that value may create additional options.
What if my credit record is bad or I'm under debt review?
You can still complete the assessment.
We are not simply checking whether a bank
would approve another loan.
We look at the property, what it is worth,
what is owed and the overall situation.
Does this mean I have to sell my home?
Not necessarily.
Some solutions focus on recovery and
working towards keeping or repurchasing
the home.
Other situations may be better suited
to a structured sale.
What you want to achieve forms part
of the assessment.
Could an investor become involved?
Yes.
Some Real Estate Assist solutions are
investor-backed and may involve a property
purchase, transfer, improvement or later resale.
The structure is explained before you
decide whether to proceed.
Can you guarantee that you will stop an auction?
No outcome can be guaranteed before
the situation is assessed.
The legal stage, time available,
property value, outstanding debt,
equity and other circumstances all
affect what may still be possible.
What happens after I complete the assessment?
Your information is reviewed to determine
whether there appears to be a realistic
property solution.
If there is, a Real Estate Solution Specialist
can contact you to discuss the situation
and explain possible next steps.
Your Property. Your Solution.
Find out what options your property may give you.
Start with the free assessment. Tell us what is happening, what you own and what you want to achieve. If there is a realistic Real Estate Assist solution, our team can explain it to you.
Completing the assessment does not guarantee
qualification and does not oblige you to proceed.