Loans Against Property
Secure, Flexible Funding for Property Owners
At TLCLoans, we offer discreet and customised short-term funding solutions using your residential or commercial property as collateral. If your property is fully paid off and is registered in your company name then we can offer you property-backed finance quickly and legally, without selling your home or applying through a traditional bank.
Unfortunately, we do not offer loans against properties registered in your personal name, nor do we accept primary residential properties as collateral.
Whether you’re an individual needing working capital or a business owner managing cash flow, our loans against property offer a powerful way to unlock the value of your real estate.
What Types of Property Qualify for an Asset Loan?
Residential Property
If you own a house, flat, or townhouse in your personal name or in a trust, we may be able to offer funding based on the current market value and available equity. The property must be:
Bond-free and registered in your company name (not in your personal name)
Properly zoned and in good condition
Accompanied by a recent valuation or Title Deed
Very importantly it cannot be your primary residence, it has to be a holiday property or one that you rent out to generate income.
Commercial Property
We also offer loans against:
Retail or industrial properties
Warehouses or factories
Offices or multi-use premises
Commercial property-backed loans are tailored to suit business needs and often include more flexible repayment options.
Why Choose TLCLoans?
- Custom funding based on your property’s value
- Confidential, legal and transparent process
- No traditional credit approval process
- Registered and compliant with lending regulations
- Private funding allows more flexibility than banks
- Fast turnaround – initial feedback within 24 hours
- Funding solutions for individuals and companies
We’re not a bank. That means our turnaround time is significantly faster than that of banks. At TLC Loans, our goal is to help you access the value of your assets quickly and responsibly.
What You’ll Need to Use Your Property For an Asset Loan
To apply for a property-backed loan, please prepare the following:
- Copy of your Title Deed or recent bond statement
- South African ID (or business/trust registration)
- Proof of municipal rates account
- Recent property valuation (optional but helpful)
- Consent from all listed owners (if jointly owned)
Note: Property loans typically involve a legal contract and a temporary registration of the lender’s interest against the property until the loan is settled.
Asset Loan Options
Ready to Access Funding?
Using your property as security doesn’t mean losing it, it means leveraging it to access capital when you need it most. Speak to our team about a custom loan against your property today.