10 Best Ways to Invest in Property in South Africa With Little or No Money

by Aug 20, 2021Real Estate Investors5 comments

Have you ever wanted to invest in property, but didn’t have the money?

10 Best Ways to Invest in Property in South Africa With Little or No Money:

This 10-step guide will help you find your way through the process of investing in real estate with little or no money. We’ll cover 10 of the best ways to invest in South African properties without spending a lot of cash.

  • Looking for a way to invest in property and make some serious profit?
  • Investing your money or time into real estate can be a great investment, but it often requires significant cash upfront.
  • Luckily there are ways you’ll find through this 10 step guide that will allow you to take advantage of the lucrative South African property market even if you have no money.
  • South Africa has a booming economy and property prices are on the rise, meaning that investing in real estate now will pay off significantly for years to come.
  • With 10 simple steps outlined below you’ll be able to find your way through this process without spending anything but time!
Property Investment South Africa

Step One: Find a Property You’re Interested In

  • Start by researching the properties in your area on sites like Property24 or private property to find one that interests you, or register with an agent to be able to view listings not available online
  • Once you have found a property that interests you, get on the phone and talk to an agent.
  • They will be able to inform you of any special features or details about this property that pertain specifically to your needs.

Step Two: Create a Budget for Your Property

  • Once you have found a property in your budget range, create a realistic budget for it based on your monthly income.
  • How much can you afford to pay in a month for this property?

Step Three: Get an Offer Together on the Property and Make it Stick!

  • Once you have found a property that interests you, contact the agent again and make them come back with an offer by negotiating what’s important to you.
  • By doing this you are making sure that the property is yours!

Step Four: Get Your Financial Documents Ready and Complete a Loan Application

  • Make copies of your driver’s license, passport, bank statements for at least three months (or six months) as well as any other documents they may ask for.
  • Fill out a loan application to find out what your monthly payments will be.
  • This step is crucial in order to make sure you can actually afford the property before committing.

Step Five: Start Paying Your Monthly Mortgage Instalments!

  • In order to get approved for a mortgage, it’s important that you establish yourself as someone who can afford the monthly payments.
  • The best way to do this is by making your first mortgage instalment!
10 Best Ways to Invest in Property in South Africa With Little or No Money

Step Six: Finding a Tenant and Keeping Them Happy

  • In order for you to make any sort of profit on your property, it needs to be rented out.
  • You’ll need good tenants who will make rent payments on time, so it’s important to find a tenant that is reliable and will stay for the duration of their lease.
  • Be sure you do some research in order to establish what makes tenants happy!

Step Seven: Work Towards Your 10% ROI (Return On Investment)

Step Eight: Redecorating!

  • This step isn’t just about redecorating, but it’s also about bringing in some new tenants.
  • Sometimes it’s hard to find the right tenant for a property, so try redecorating and renting out your home again!

Step Nine: Hire Professional Help or Get Creative

  • It can be difficult to manage all of these steps on your own, which is why you should hire professional help or get creative.
  • There are many ways you can save money on your investment and still get the same results, so do some research to find out what will work for you!

Step Ten: Keep Your Property Secure

  • In order to make sure that your property is secure and protected from damage or theft, it’s important that you keep up with your maintenance.
  • By doing this, you will be able to make sure that the property is in good condition and increase its value for years to come!

Wealth Assist gives opportuinity to Invest with Cash or Bond

If you earn a stable Income and qualify for a bond We have the best property investment opportunities for you with 17% p.a. contractual Predetermined Returns with property as your security.


We hope this guide has been helpful for those looking at investing in South African properties on a budget; if so, please leave us feedback! Connect with Wealth Assist today for more information about how we make exponential returns by helping investors like yourself leverage their time and energy while focusing on what they love doing best.

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9 months ago

I am currently renting a townhouse. The owner want to sell i have first option. Financial i cannot afford to buy please can you assist.

Tana Lombard
Tana Lombard
9 months ago
Reply to  Hantie

Good day Hantie. Thank you for your comment. Someone from our team will be in contact with you.

Gameeda Abader
Gameeda Abader
9 months ago

Good Afternoon

Trust you are doing well.

We have 6 properties in ruyterwacht area, below market value, we would like to purchase extend and Re sell.

How can you assist us

Tana Lombard
Tana Lombard
9 months ago
Reply to  Gameeda Abader

Hello Gameeda, we would like to assist you with this. Please complete this secure form in order to give us your cell number, without it we will not be able to contact you. A member from our team will call you soon otherwise please check your inbox for an email from us.

9 months ago

Very insightful